Real estate appraisal services for homeowners in the city of Helena and Lewis And Clark County

Here are the top seven reasons MT homeowners use TD Appraisal LLC:

Pre-listing appraisals (whether you're using an agent or selling the home on your own)
Challenge a property tax assessment
To cut their mortgage payments 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 Lewis And Clark county or MT by determining the true market value of property in question

Do you own a home in or near Helena? Do you need help deciding the price of your real estate?
Contact TD Appraisal LLC.

At TD Appraisal LLC, we understand the particular needs of a homeowner looking for appraisal services. Our business practices and reporting formats are familiar to our business clients like banks, lawyers, and accountants. But as a general consumer,we will give you extra guidance and explanations through the appraisal process to better understand what we do and how we present our findings.

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

Since you have an emotional attachment to your own house, it's often very hard to be objective about it. Professional appraisers, like the ones at TD Appraisal LLC, are objective. We will tell you what you need to know, not just what you want to hear. In addition to helping you set a realistic price to sell at so your home will attract many interested buyers, a professional appraisal is a very valuable negotiating tool once you have an attainable buyer. It's something concrete to show your buyer. It's an independent third party's opinion of your home's price, and not just how much your house is worth. Interested buyers assume that you have an emotional attachment to your home and will be more likely to give credibility to a qualified appraiser's value report than yours.

Need to cancel PMI?

Getting the PMI (Private Mortgage Insurance) canceled from your mortgage loan is an attractive way to cut costs for homeowners. 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. We are experienced in helping homeowners just like you rid yourselves of unwanted PMI insurance.

Challenging a property tax assessment

If you live in an area that is going down or not appreciating as much as other homes close by, your local tax assessor may have your home overvalued. This only means you're 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 things like this, the better off you'll be. When challenging your property tax assessment, getting an appraisal from TD Appraisal LLC is your perfect weapon.

HELOC recently frozen?

Your lender might 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 this be troublesome from a cash flow angle, and unfavorable to your credit score since it may appear as though that credit line is maxed out. TD Appraisal LLC can help you reinstate your HELOC.

Field and Desktop Appraisal Review Services

Do you need a professional to double-check your appraisal for preciseness, or do you want a second opinion without the added cost 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 need it ASAP, 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 you with a a retrospective review of any appraisal report you may have had in the past. While typically requested by banks, you may wish to utilize this service if you suspect mortgage fraud related to your house.