Need an appraisal in Higginsville or Lafayette County?

The top seven reasons MO homeowners need Erdman Appraisal:

Pre-listing appraisals (whether you're using a real estate agent or selling the home on your own)
To challenge a MO property tax assessment
Remove PMI to reduce your mortgage payments
Reinstate your Home Equity Line of Credit (or HELOC)
To review a different appraiser's report for verification
If real estate needs to be divided because of a divorce
To determine the true market value of real estate in question to settle an estate

Own a house in or near Higginsville, MO and need help deciding the value of it?
Contact Erdman Appraisal.

We at Erdman Appraisal understand the special needs of a customer seeking appraisal services. The appraisal process and reporting formats are relatively routine to our business clients like banks, attorneys, and CPAs. But as a general consumer,we'll be sure you get extra guidance and explanations through the appraisal process to more clearly understand what we do and how we present our findings.

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

Since you have an emotional attachment to your own home, it's often very hard to be objective about it. Professional appraisers, like the ones at Erdman Appraisal, will be objective. We will tell you what you need to know, not just what you want to hear. A professional appraisal is a very valuable negotiating tool once you have a potential buyer, in addition to helping you set a realistic price to sell at so your property will attract buyers. It gives you 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 house is worth. Potential buyers assume you have an emotional attachment to your house and will be far more likely to give credibility to a professional appraiser's value conclusion than yours.

Appraisals to cancel PMI

A popular way to cut expenses 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 amount is down below 80% of the value of your home. In most cases you can apply to a lender to have the PMI eliminated from your loan. At Erdman Appraisal, we're seasoned in helping consumers just like you delete unneeded PMI insurance.

Challenging a property tax assessment

Your local tax assessor may have your home overvalued if you live in a region that is declining. That only means you're paying more taxes than you should. Since your property assessment may likely go up again in the next period, the sooner you take care of things like this, the better off you'll be. Getting an expert appraisal from Erdman Appraisal is your strongest weapon when contesting your property tax assessment.

Was your HELOC recently frozen?

Your lender might just choose to automatically freeze your home equity line of credit (HELOC) if your home is 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 disadvantageous from a cash flow point of view. Erdman Appraisal can help you reinstate your home equity line of credit with efficient appraisal.

We Offer Field and Desktop Appraisal Review Services

Do you need a seasoned appraiser to double-check your appraisal for accuracy, or do you need a second opinion without the added expense and delay of waiting for a whole new appraisal? We can go out and check the subject and comparables in question in a field review. Or, if you're in a rush, we can provide 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 We can assist you Even though this is typically requested by banks, you may need to use this service if you suspect mortgage fraud related to your home.