Real estate appraisal services for homeowners in the city of LOS LUNAS and Valencia County

Here are the top seven reasons why NM homeowners use Evergreen Appraisals:

  1. Get a pre-listing appraisal (whether you're using an agent or selling the home on your own)
  2. Challenge property tax assessments
  3. Remove PMI to lower a monthly mortgage payment
  4. Reinstate your Home Equity Line of Credit (HELOC)
  5. Review another appraiser's report for verification
  6. In the case of a NM divorce, where real estate property needs to be divided
  7. Settle an estate in NM by determining the true market value of property in question

Need help deciding the price of your home in or near LOS LUNAS, NM?
Contact Evergreen Appraisals.

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

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. The professional appraisers at Evergreen Appraisals will tell you what you need to know -- not just what you want to hear. We are objective. A professional appraisal is very important as a negotiating tool once you have an interested buyer, in addition to helping you set a realistic selling price so your home will attract many interested buyers. It's 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. Interested buyers assume you have an emotional attachment to your house and will be far more likely to give credibility to an experienced appraiser's value opinion than yours.

Appraisals to cancel PMI

PMI stands for Private Mortgage Insurance. A preferred way to save money for homeowners is to get the PMI removed from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan is below 80% of the value of your house, in most cases you can apply to your lender to have the PMI canceled from your loan, which will make your monthly payments go down. Evergreen Appraisals is veterans in helping homeowners just like you do away with unwanted and unneeded PMI insurance.

Challenging property tax assessments

Your local tax assessor may have your house overvalued if you live in an area that is declining. That only means you're going to pay 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. An appraisal from Evergreen Appraisals is your #1 weapon when contesting your property tax assessment.

HELOC recently frozen?

Your lender may just choose to automatically freeze your home equity line of credit (HELOC) if your house is close to a declining area -- even if your specific property has not declined in value. This can be be detrimental to your credit score since it may appear as though that credit line is maxed out, and also annoying from a cash flow point of view. Evergreen Appraisals can help you reinstate your HELOC.

Field and Desktop Appraisal Review Services

Do you need a seasoned appraiser to double-check your appraisal for verity, or do you desire a second opinion without the charge and delay of waiting for a whole new appraisal? In a field review we will go out and check the subject and comparables in question. Or, if you're in a hurry, we can provide you with a desk review and verify as many facts as we can using online data sources as well as our own files.

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