Need an appraisal in Wilton or Muscatine County?

The top seven reasons why IA homeowners need McCarthy Appraisal:

To get a pre-listing appraisal (whether you're using an agent or selling the home on your own)
Challenge a property tax assessment
To cut a monthly mortgage payment by removing PMI
To reinstate your Home Equity Line of Credit (HELOC)
Verify a different appraiser's report
If real estate property needs to be divided because of a divorce
To settle an estate in IA by determining the true market value of real estate in question

Need help deciding the value of your home in or near Wilton, IA?
Contact McCarthy Appraisal.

We at McCarthy Appraisal understand the special needs of a consumer looking for appraisal services. While our typical clients understand the appraisal process and standard reporting formats, you as a consumer will get extra service in the form of an explanation of the process and even special consumer-friendly reporting forms if the assignment allows for them.

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

Since you have an emotional attachment to your 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 selling price so your house will attract interested buyers, a professional appraisal is a crucial negotiating tool once you have an interested buyer. It gives you something concrete to show your buyer. An appraisal is an independent third party's opinion of your property's value -- not just you saying how much you think your house is worth. Potential buyers assume that you have an emotional attachment to your home and will be much more likely to give credibility to an accomplished appraiser's value judgement than yours.

Need to cancel PMI?

A preferred way to cut costs for homeowners is getting the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". 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 eliminated from your loan, which will make your monthly payments go down. We're experts in helping people just like you remove unwanted and unneeded PMI insurance.

Challenging Muscatine county's assessment of your property

If you live in a region that is going down or not appreciating as much as other properties nearby, your local tax assessor may have your home overvalued. This only means you are most likely paying higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the sooner you take care of a matter like this, the better. When challenging your property tax assessment, getting an appraisal from McCarthy Appraisal is your strongest weapon.

Recently got a freeze your HELOC?

Even if your specific property has not declined in value, your lender may just choose to automatically freeze your home equity line of credit (HELOC) if your property is near a declining area. Not only can this be annoying from a cash flow point of view, but it can be damaging to your credit score since it may appear as though that credit line is maxed out. An appraisal from McCarthy Appraisal can help you reinstate your HELOC.

Do You Need Field and Desktop Appraisal Review Services?

Would you like a second opinion without the added expense and delay of waiting for a whole new appraisal? Or do you desire a seasoned expert to double-check your appraisal for preciseness? McCarthy Appraisal 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? McCarthy Appraisal can help with that too. Even though this is usually requested by banks, you may want to utilize this service if you suspect mortgage fraud related to your property.