Need an appraisal in Jackson or Cape Girardeau County?

Here are the top seven reasons why Missouri homeowners hire Merit Appraisal Service:

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


	Own a home in or near Jackson, Missouri and need help determining the value of it? Contact Merit Appraisal Service.

At Merit Appraisal Service, we understand the unique needs of a homeowner after 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/Pre-Listing Services

Since you have an emotional attachment to your home, it's often very hard to be objective about it. The professional appraisers at Merit Appraisal Service will tell you what you need to know -- not just what you want to hear. We are objective. A professional appraisal is a very valuable negotiating tool once you have an interested buyer, in addition to helping you set a realistic selling price so your house will attract interested buyers. The appraisal is something tangible to show the buyer. It's an independent third party's opinion of your house's value, and not just how much your house is worth. Potential buyers assume you have an emotional attachment to your house and will be more likely to give credibility to an expert appraiser's value estimation than yours.

Challenging Cape Girardeau County's assessment of your property

Your local tax assessor may have your house overvalued if your house not appreciating as much as other properties close by. That means you're probably paying more taxes than you should. The quicker you take care of a matter like this, the better off you'll be, since your property assessment may likely go up again in the next period. Getting an appraisal report from Merit Appraisal Service is your perfect weapon when contesting your property tax assessment.

Appraisals to cancel PMI

A fashionable way to cut costs for homeowners is to get 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 below 80% of the value of your property, in most cases you can apply to the lender to have the PMI eliminated from your loan, which will make your monthly payments go down. At Merit Appraisal Service, we're experienced in helping clients just like you remove unwanted and unneeded PMI insurance.

Recently got a freeze to your HELOC?

Even if your specific property has not declined in value, your lender might choose to automatically freeze your home equity line of credit (HELOC) if your house is close to a declining area. This can be unfavorable to your credit score since it may appear as though that credit line is maxed out, and also difficult and inconvenient from a cash flow standpoint. An expert appraisal from Merit Appraisal Service can help you reinstate your HELOC.

We Also Offer Field and Desktop Appraisal Review Services

Have you just been handed a copy of your appraisal and you would wish to have a professional double-check it for accuracy or do you need a second opinion without the added expense and delay of waiting for a whole new appraisal? An appraiser from Merit Appraisal Service can go out and check the subject and comparables in question in a field review. If you need it 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 a retrospective review of any appraisal you may have in your possession. Even though most appraisal reviews are commissioned by lenders, homeowners suspecting a prior appraisal wasn't above board are prudent to get a second opinion.