Attention homeowners: Real estate appraisal services for in Saint Paul and Ramsey County

Check out the top seven reasons why MN homeowners need Tracey Montgomery:

  1. Get a pre-listing appraisal (whether you're using a real estate agent or selling the home on your own)
  2. Challenge property tax assessments
  3. Remove PMI to lower their mortgage payment
  4. Reinstate your Home Equity Line of Credit (HELOC)
  5. To review a different appraiser's report for verification
  6. If real estate property needs to be divided because of a divorce
  7. To settle an estate in Ramsey county or MN by determining the true market value of real estate in question

Own a house in or near Saint Paul, MN and need help deciding the value of it?
Contact Tracey Montgomery.

At Tracey Montgomery, we understand the special needs of a customer seeking appraisal services. While our usual 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

It's very hard to be objective about your own home because of your emotional attachment to it. Professional appraisers, like the ones at Tracey Montgomery, 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 selling price so your home will attract buyers, a professional appraisal is a very important negotiating tool once you have an interested buyer. It gives you something tangible to show the buyer. The appraisal is an independent third party's opinion of your property's value, not just you saying how much your house is worth. Interested buyers know you have an emotional attachment to your home and will be far more likely to give credibility to an accomplished appraiser's value conclusion than yours.

Appraisals to cancel PMI

PMI stands for Private Mortgage Insurance. A popular way to cut expenses for homeowners is getting the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan amount is less than 80% of the value of your home, 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. Tracey Montgomery is qualified in helping people just like you dismiss unwanted PMI insurance.

Challenge property tax assessments

If you live in a region that is declining or not appreciating as much as other houses close to yours, your local tax assessor may have your home overvalued. That means you're paying more taxes than you should. The faster you take care of a matter like this, the better, since your property assessment may likely go up again in the next period. Getting an expert appraisal from Tracey Montgomery is your chief weapon when challenging your property tax assessment.

Recently got a freeze your HELOC?

Even if your specific property has not declined in value, your lender may decide to automatically freeze your home equity line of credit (HELOC) if your house is in or near a declining area. This can be be negative on your credit score since it may appear as though that credit line is maxed out, and also difficult from a cash flow standpoint. Tracey Montgomery can help you reinstate your home equity line of credit with a professional appraisal.

Need Field and Desktop Appraisal Review Services?

Would you wish a second opinion without the expense and delay of waiting for a whole new appraisal? Or do you want a professional to double-check your appraisal for efficiency? An appraiser from Tracey Montgomery can go out and check the subject and comparables in a field review. If you're in a rush, 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.

We can also provide you with a a retrospective review of any appraisal report you may have had done before. While usually requested by banks, you may want to take advantage of this service if you suspect mortgage fraud related to your home.