Appraisal services for Tucson and Pima County homeowners

The top reasons AZ homeowners need Grace G. Smith:

To get a pre-listing appraisal (whether they're selling the home themselves or using an agent)
Challenge a property tax assessment
To lower a monthly mortgage payment by removing PMI
To reinstate your Home Equity Line of Credit (or HELOC)
Review another appraiser's report for verification
In the case of a AZ divorce, where real estate needs to be divided
Settle an estate in AZ by determining the true market value of real estate in question

Need help deciding the value of your house in or near Tucson, AZ?
Contact Grace G. Smith.

We at Grace G. Smith understand the individual needs of a homeowner looking for appraisal services. The appraisal process and reporting formats are familiar to our business clients like lenders, attorneys, and accountants. As our client, you can expect extra guidance and explanations through the appraisal process to more fully understand what we do and how we present our conclusions.

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

Since you have an emotional attachment to your home, it's often very hard to be objective about it. A professional appraiser is objective and will tell you what you need to know, not just what you want to hear. A professional appraisal is very crucial as a negotiating tool once you have a potential buyer, in addition to helping you set a realistic price to sell at so your house will attract many interested buyers. The appraisal is something concrete to show the buyer. An appraisal is an independent third party's opinion of your property's value -- not just how much you think your house is worth. Interested buyers know that you have an emotional attachment to your home and will be much more likely to give credibility to a qualified appraiser's value opinion than yours.

Appraisals to cancel PMI

PMI stands for Private Mortgage Insurance. An attractive way to save money for homeowners is getting the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan amount is less than 80% of the value of your property, in most cases you can apply to a lender to have the PMI canceled from your loan, which will make your monthly payments go down. We're experts in helping people just like you get rid of unneeded and unwanted PMI insurance.

Challenging Pima county's assessment of your property

Your local tax assessor may have your house overvalued if you live in a local area that is declining or is not appreciating as much as other houses close by. This only means you are paying higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the earlier you take care of a matter like this, the better off you'll be. When contesting your property tax assessment, getting a professional appraisal from Grace G. Smith is your chief weapon.

HELOC recently frozen?

Even if your specific property has not declined in value, your lender just might choose to automatically freeze your home equity line of credit (HELOC) if your home is in a declining area. This can this be disadvantageous from a cash flow standpoint, and negative on your credit score since it may appear as though that credit line is maxed out. Grace G. Smith can provide you with efficient appraisal that will help you reinstate your home equity line of credit.

Field and Desktop Appraisal Review Services

Do you need a veteran appraiser to double-check your appraisal for efficiency, or do you desire a second opinion without the added expense and delay of waiting for a whole new appraisal? In a field review we'll go out and check the subject and comparables in question. Or, if you need it in a rush, we can provide you with a desk review and verify as many facts as we can using online data sources as well as our own files.

We can also provide you with a a retrospective review of any appraisal report you may have had in the past. Even though this is typically requested by banks, you may wish to utilize this service if you suspect mortgage fraud related to your home.