Real estate appraisal services for homeowners in the city of Dover and Bonner County

The top reasons ID homeowners need Lonepine Appraisal Co.:

Pre-listing appraisals (whether you're using an agent or selling the home on your own)
Challenge Bonner county's assessment of your propertyvalue
Remove PMI to cut their mortgage payment
Reinstate your Home Equity Line of Credit (or HELOC)
Review a different appraiser's report for verification
If real estate needs to be divided because of a divorce
Settle an estate in ID by determining the true market value of real estate in question

Own a home in or near Dover, ID and need help determining the price of it?
Contact Lonepine Appraisal Co..

We at Lonepine Appraisal Co. understand the unique needs of a customer after appraisal services. The appraisal process and reporting formats are relatively routine to our business clients like banks, attorneys, and CPAs. But as a consumer,we will give you extra guidance and explanations through the appraisal process to understand what we do and how we present our findings.

For Sale By Owner/Pre-Listing Services

It's very hard to be objective about your home because you probably have an emotional attachment to it. Professional appraisers, like the ones at Lonepine Appraisal Co., will be objective. We'll tell you what you need to know, not just what you want to hear. A professional appraisal is a crucial 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 buyers. The appraisal is something concrete to show the buyer. It's an independent third party's opinion of your home's value, and not just how much you think your home is worth. Potential buyers know you have an emotional attachment to your house and will be more likely to give credibility to an accomplished appraiser's value opinion than yours.

Need to cancel PMI?

PMI stands for Private Mortgage Insurance. An attractive way to cut expenses for homeowners is to get the PMI removed from their mortgage loan, thus saving them money on their monthly payments. Your monthly payments will go down once your mortgage loan is less than 80% of the value of your house. In most cases you can apply to a lender to have the PMI canceled from your loan. Lonepine Appraisal Co. is seasoned in helping people just like you dismiss unwanted and unneeded PMI insurance.

Challenging a property tax assessment

If you live in a region that is declining or is not appreciating as much as other properties nearby, your local tax assessor may have your house overvalued. This means you're paying higher taxes than you should be paying. The sooner you take care of a matter like this, the better, since your property assessment may likely go up again in the next period. When contesting your property tax assessment, getting an appraisal from Lonepine Appraisal Co. is your best weapon.

Was your HELOC recently frozen?

Your lender just may make the decision to automatically freeze your home equity line of credit (HELOC) if your home is in a declining area -- even if your specific property has not declined in value. This can this be difficult from a cash flow viewpoint, and bad for your credit score since it may appear as though that credit line is maxed out. Lonepine Appraisal Co. can help you reinstate your home equity line of credit with an expert appraisal.

We Also Offer Field and Desktop Appraisal Review Services

Do you need a professional 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 comps. If you need it immediately, we'll provide desk review and verify as many facts as we can using online data sources as well as our own files.

Do you need a retrospective review of an appraisal? Lonepine Appraisal Co. can help you with that. Even though this is typically requested by banks, you may need to exploit this service if you suspect mortgage fraud related to your house.