Appraisal services for Phoenix and Maricopa County homeowners

The top seven reasons why AZ homeowners call on Miguel Guerrero:

  1. Pre-listing appraisals (whether they're selling the home themselves or using a real estate agent)
  2. Challenge a property tax assessment
  3. Remove PMI to lower your monthly mortgage payment
  4. To reinstate your Home Equity Line of Credit (HELOC)
  5. To review another appraiser's report for verification
  6. If real estate needs to be divided because of a divorce
  7. Determine the true market value of property in question to settle an estate in AZ

Own a home in or near Phoenix, AZ and need help determining the price of it?
Contact Miguel Guerrero.

At Miguel Guerrero, we understand the unique needs of a homeowner looking for appraisal services. Our typical business clients get the appraisal process and the customary reporting formats. Being a regular homeowner that most likely doesn't see an appraisal on a regular basis,we'll be sure you get extra guidance and explanations through the appraisal process to more clearly understand what we do and how we document our conclusions.

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

Since you have an emotional attachment to your own home, it's often very hard to be objective about it. The professional appraisers at Miguel Guerrero will tell you what you need to know -- not just what you want to hear. We are objective. In addition to helping you set a realistic price to sell at so your house will attract many interested buyers, a professional appraisal is very valuable as a negotiating tool once you have a potential buyer. It's something concrete to show your buyer. The appraisal is an independent third party's opinion of your property's price, not just how much you think your house is worth. Potential buyers assume you have an emotional attachment to your house and will be much more likely to give credibility to an experienced appraiser's value assessment than yours.

Appraisals to cancel PMI

A fashionable way to save money for homeowners is getting the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Your monthly payments will go down once your mortgage loan is down below 80% of the value of your home. In most cases you can apply to a lender to have the PMI eliminated from your loan. Miguel Guerrero is experienced in helping clients just like you rid themselves of unwanted and unneeded PMI insurance.

Challenging property tax assessments

Lets say your home is not appreciating as much as other homes close to yours -- your local tax assessor may have your house overvalued. That means you are probably 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 off you'll be. When contesting your property tax assessment, getting a professional appraisal from Miguel Guerrero is your number one weapon.

HELOC recently frozen?

If your property is close to a declining area, your lender just might decide to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. Not only can this be difficult from a cash flow angle, but it can be unfavorable to your credit score since it may appear as though that credit line is maxed out. Miguel Guerrero can help you reinstate your HELOC.

We Also Offer Field and Desktop Appraisal Review Services

Do you need a seasoned appraiser to double-check your appraisal for precision, or do you need a second opinion without the expense and delay of waiting for a whole new appraisal? Miguel Guerrero offers field reviews where we go out and check the subject and comparables in question. 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.

Need a retrospective review of an appraisal? We can help you with that While usually requested by banks, you may want to take advantage of this service if you suspect mortgage fraud related to your property.