Attention homeowners in the Quad City and surrounding Area: Need an appraisal?

The top 7 reasons why homeowners use Miller Appraisal:

Pre-listing appraisals (whether you're using a real estate agent or selling the home on your own)
To challenge a IA property tax assessment
Remove PMI to cut a mortgage payments
Reinstate their Home Equity Line of Credit (HELOC)
Verify a different appraiser's report
If real estate needs to be divided because of a divorce
Settle an estate by determining the true market value of property in question

Own a home in or near the Quad City or surrounding area? Need help deciding the value of it?
Contact Miller Appraisal.

We at Miller Appraisal understand the individual needs of a homeowner seeking appraisal services. Our business practices and reporting formats are relatively routine to our business clients like lenders, lawyers, and accountants. Being a person not in the real estate business that ordinarily doesn't look at appraisals on a regular basis, we will provide you with extra guidance and explanations through the appraisal process to more fully understand what we do and how we report our conclusions.

Pre-listing Services/For Sale By Owner

Since you have an emotional attachment to your own house, it's often very hard to be objective about it. The professional appraisers at Miller Appraisal will tell you what you need to know -- not just what you want to hear. We are objective. A professional appraisal is a very valuable negotiating tool once you have an attainable buyer, in addition to helping you set a realistic selling price so your property will attract buyers. It's something tangible to show your buyer. The appraisal is an independent third party's opinion of your property's value, not just how much your home 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 judgement than yours.

Need to remove PMI?

PMI stands for Private Mortgage Insurance. A preferred way to cut costs for homeowners is getting 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 your lender to have the PMI removed from your loan. At Miller Appraisal, we're experienced in helping folks just like you delete unneeded and unwanted PMI insurance.

Challenging county's assessment of your property

Lets say your house is not appreciating as much as other houses close by -- your local tax assessor may have your home overvalued. 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 faster you take care of things like this, the better. When challenging your property tax assessment, getting an expert appraisal from Miller Appraisal is your perfect weapon.

Was your HELOC recently frozen?

If your house is close to a declining area, your lender just may choose to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can this be unsuitable from a cash flow viewpoint, and unfavorable to your credit score since it may appear as though that credit line is maxed out. Miller Appraisal can help you reinstate your home equity line of credit with an expert appraisal.

We Also Provide Field and Desktop Appraisal Review Services

Have you just received a copy of your appraisal and you would wish to have a seasoned expert double-check it for verity or do you desire a second opinion without the cost and delay of waiting for a whole new appraisal? An appraiser from Miller Appraisal can go out and check the subject and comps 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.

We can also provide you with a a retrospective review of any appraisal you may have had done before. Even though this is typically requested by banks, you may wish to take advantage of this service if you suspect mortgage fraud related to your home.