Appraisal services for Bend and Deschutes County homeowners

The top 7 reasons why OR homeowners hire Kerrie Middeldorp Appraisals:

To get a pre-listing appraisal (whether you're using an agent or selling the home on your own)
Challenge a property tax assessment
To cut a mortgage payment by removing PMI
To reinstate their Home Equity Line of Credit (or HELOC)
Verify another appraiser's report
In the case of a OR divorce, when real estate property needs to be divided
To settle an estate in Deschutes county or OR by determining the true market value of property in question

Do you own a home in or near Bend? Do you need help determining the price of your real estate?
Contact Kerrie Middeldorp Appraisals.

We at Kerrie Middeldorp Appraisals understand the particular needs of a consumer seeking appraisal services. Our business practices and reporting formats are familiar to our business clients like lenders, lawyers, and accountants. But as a general consumer,you can expect extra guidance and explanations through the appraisal process to more clearly understand what we do and how we document our conclusions.

For-Sale-By-Owner (FSBO) / Pre-Listing Services

It's very hard to be objective about your own home because you most likely have an emotional attachment to it. Our professional appraisers at Kerrie Middeldorp Appraisals are objective. We won't just tell you what you want to hear, we will tell you what you need to know. In addition to helping you set a realistic price to sell at so your home will attract buyers, a professional appraisal is very valuable as a negotiating tool once you have a likely buyer. It's something concrete to show your buyer. It's an independent third party's opinion of your property's price, and not just you saying how much you think your home is worth. Potential buyers assume that you have an emotional attachment to your house and will be much more likely to give credibility to an accomplished appraiser's value judgement than yours.

Need to remove PMI?

Getting the PMI (Private Mortgage Insurance) canceled from your mortgage loan is a popular way to save money for homeowners. Once your mortgage loan is below 80% of the value of your home, in most cases you can apply to your lender to have the PMI canceled from your loan, which will make your monthly payments go down. We're experienced in helping clients just like you dismiss unnecessary PMI insurance.

Challenge Tax Assessment

Lets say your home is not appreciating as much as other homes nearby -- your local tax assessor may have your house overvalued. This only means you're paying higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the faster you take care of a matter like this, the better off you'll be. Getting an expert appraisal from Kerrie Middeldorp Appraisals is your number one weapon when contesting your property tax assessment.

HELOC recently frozen?

Your lender just may choose to automatically freeze your home equity line of credit (HELOC) if your home is in or near a declining area -- even if your specific property has not declined in value. This can be be destructive to your credit score since it may appear as though that credit line is maxed out, and also annoying from a cash flow standpoint. Kerrie Middeldorp Appraisals can help you reinstate your HELOC.

Field and Desktop Appraisal Review Services

Have you just been given a copy of your appraisal and you'd prefer to have a veteran appraiser double-check it for preciseness or do you desire a second opinion without the cost and delay of waiting for a whole new appraisal? In a field review we will go out and check the subject and comps. If you need it immediately, we'll provide you with a desk review and verify as many facts as we can using online data sources as well as our own files.

Need a retrospective review of an appraisal report? We can help with that too. Even though this is usually requested by banks, you may want to utilize this service if you suspect mortgage fraud related to your home.