Attention homeowners in Stevens Point and Portage County: Need an appraisal?

Here are the top seven reasons WI homeowners need Central Wisconsin Appraisal Service:

  1. Get a pre-listing appraisal (whether they're selling the home themselves or using an agent)
  2. To challenge a WI property tax assessment
  3. Remove PMI to cut your monthly mortgage payment
  4. Reinstate their Home Equity Line of Credit (HELOC)
  5. Review a different appraiser's report for verification
  6. If real estate needs to be divided because of a divorce
  7. Determine the true market value of property in question to settle an estate

Do you own a house in or near Stevens Point? Do you need help determining the value of your real estate?
Contact Central Wisconsin Appraisal Service.

We at Central Wisconsin Appraisal Service understand the special needs of a consumer after appraisal services. Our regular business clients understand the appraisal process and the usual "products" we deliver to them. Being a homeowner that ordinarily doesn't look at appraisals on a regular basis,you will receive extra guidance and explanations through the appraisal process to better understand what we do and how we present our conclusions.

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

Since you have an emotional attachment to your own house, 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. In addition to helping you set a realistic price to sell at so your house will attract buyers, a professional appraisal is a crucial negotiating tool once you have an attainable buyer. The appraisal is something concrete to show your buyer. The appraisal is an independent third party's opinion of your home's price, not just you saying how much your home is worth. Potential buyers assume you have an emotional attachment to your house and will be much more likely to give credibility to a seasoned appraiser's value judgement than yours.

Need to remove PMI?

A popular way to save money for homeowners is to get the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Your monthly payments will go down once your mortgage loan is below 80% of the value of your house. In most cases you can apply to the lender to have the PMI removed from your loan. We're experts in helping homeowners just like you delete unneeded and unwanted PMI insurance.

Challenging Portage county's assessment of your property

Lets say your house is not appreciating as much as other properties close to yours -- your local tax assessor may have your house overvalued. This only means you are probably paying higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the quicker you take care of a matter like this, the better off you'll be. Getting an expert appraisal from Central Wisconsin Appraisal Service is your #1 weapon when challenging your property tax assessment.

HELOC recently frozen?

Even if your specific property has not declined in value, your lender may make the decision to automatically freeze your home equity line of credit (HELOC) if your house is in a declining area. This can this be difficult from a cash flow point of view, and detrimental to your credit score since it may appear as though that credit line is maxed out. A professional appraisal from Central Wisconsin Appraisal Service can help you reinstate your HELOC.

Do You Need Field and Desktop Appraisal Review Services?

Would you wish a second opinion without the added cost and delay of waiting for a whole new appraisal? Or do you want a seasoned appraiser to double-check your appraisal for precision? Central Wisconsin Appraisal Service offers field reviews where we'll go out and check the subject and comps in question. If you need it ASAP, 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.

Do you need a retrospective review of an appraisal? Central Wisconsin Appraisal Service can help you with that. Even though this is usually requested by banks, you may wish to make use of this service if you suspect mortgage fraud related to your home.