Attention homeowners in Pima and Graham County: Get an Appraisal today!

Here are the top seven reasons AZ homeowners call on Melissa Dowdy:

  1. Get a pre-listing appraisal (whether you're using a real estate agent or selling the home on your own)
  2. Challenge property tax assessments
  3. Remove PMI to reduce your monthly mortgage payment
  4. To reinstate your Home Equity Line of Credit (or HELOC)
  5. Verify another appraiser's report
  6. In the case of a AZ divorce, when real estate needs to be divided
  7. Determine the true market value of property in question to settle an estate

Need help determining the value of your home in or near Pima, AZ?
Contact Melissa Dowdy.

At Melissa Dowdy, we understand the particular needs of a customer seeking appraisal services. Our usual business clients get the appraisal process and the standard reporting formats. But as a general consumer,we'll be sure you get extra guidance and explanations through the appraisal process to better understand what we do and how we present our findings.

For Sale By Owner/Pre-Listing Services

Since you have an emotional attachment to your own 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 a crucial negotiating tool once you have an attainable buyer, in addition to helping you set a realistic selling price so your house will attract buyers. The appraisal is something tangible to show your buyer. An appraisal is an independent third party's opinion of your home's price -- not just how much your house is worth. Potential buyers know you have an emotional attachment to your home and will be far more likely to give credibility to a professional appraiser's value conclusion than yours.

Need to remove PMI?

An attractive way to save money for homeowners is getting 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 down below 80% of the value of your property. In most cases you can apply to the lender to have the PMI eliminated from your loan. We are experienced in helping people just like you dismiss unneeded PMI insurance.

Challenging Graham county's assessment of your property

If you live in an area that is declining or is not appreciating as much as other properties nearby, your local tax assessor may have your home overvalued. That means you are probably paying more taxes than you should. The earlier you take care of a matter like this, the better off you'll be, since your property assessment may likely go up again in the next period. An expert appraisal from Melissa Dowdy is your #1 weapon when contesting your property tax assessment.

Recently got a freeze your HELOC?

Your lender just might choose to automatically freeze your home equity line of credit (HELOC) if your property is near a declining area -- even if your specific property has not declined in value. Not only can this be difficult from a cash flow angle, but it can be destructive to your credit score since it may appear as though that credit line is maxed out. Melissa Dowdy can help you reinstate your HELOC.

We Also Provide Field and Desktop Appraisal Review Services

Would you like 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 accuracy? In a field review we'll go out and check the subject and comparables in question. If you're in a rush, 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? Melissa Dowdy can help with that too. Even though this is typically requested by banks, you may desire to take advantage of this service if you suspect mortgage fraud related to your house.