Appraisal services for Ham Lake and Anoka County homeowners

Here are the top seven reasons Minnesota homeowners order from R.A. Field and Associates:

To get a pre-listing appraisal (whether you're using a real estate agent or selling the home on your own)
Challenge Anoka County's assessment of your property
To lower a mortgage payment by removing PMI
Reinstate your Home Equity Line of Credit (or HELOC)
To review a different appraiser's report for verification
If property needs to be divided because of a divorce
Settle an estate in Minnesota by determining the true market value of a property


	Do you own a home in or near Ham Lake? Do you need help determining the value of your real estate? Contact R.A. Field and Associates.

We at R.A. Field and Associates understand the special needs of a customer seeking appraisal services. While our usual business 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.

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. Our professional appraisers at R.A. Field and Associates are objective. We won't just tell you what you want to hear, we will tell you what you need to know. In addition to helping you set a realistic price to sell at so your home will attract many interested buyers, a professional appraisal is very valuable as a negotiating tool once you have an interested buyer. The appraisal is something tangible to show the buyer. An appraisal is an independent third party's opinion of your house's value -- not just you saying how much your home is worth. Interested buyers assume that you have an emotional attachment to your home and will be much more likely to give credibility to a qualified appraiser's value opinion than yours.

Challenge Anoka County's assessment of your property

Your local tax assessor may have your house overvalued if you live in a region that's going down or is not appreciating as much as other houses nearby. That only means you are paying more taxes than you should. Since your property assessment may likely go up again in the next period, the quicker you take care of a matter like this, the better. An appraisal report from R.A. Field and Associates is your best weapon when contesting your property tax assessment.

Appraisals to remove PMI

Getting the PMI (Private Mortgage Insurance) canceled from your mortgage loan is an attractive way to cut expenses for homeowners. Your monthly payments will go down once your mortgage loan amount is down below 80% of the value of your property. In most cases you can apply to your lender to have the PMI eliminated from your loan. At R.A. Field and Associates, we're seasoned in helping clients just like you rid yourselves of unwanted PMI insurance.

Was your HELOC recently frozen?

Even if your specific property has not declined in value, your lender just might choose to automatically freeze your home equity line of credit (HELOC) if your property is in a declining area. Not only can this be inconvenient from a cash flow viewpoint, but it can be negative on your credit score since it may appear as though that credit line is maxed out. R.A. Field and Associates can help you reinstate your home equity line of credit with an expert appraisal.

Do You Need Field and Desktop Appraisal Review Services?

Do you need a seasoned appraiser to double-check your appraisal for verity, or do you need a second opinion without the added cost and delay of waiting for a whole new appraisal? An appraiser from R.A. Field and Associates can go out and check the subject and comparables in a field review. If you need it ASAP, we'll provide 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 report? We can assist you. Even though most appraisal reviews are commissioned by lenders for quality control, homeowners suspecting a prior appraisal wasn't above board are prudent to invest in a second opinion.