Attention homeowners in Loon Lake and Stevens County: Need an appraisal?

The top reasons WA homeowners use Lakewood Evaluations:

Pre-listing appraisals (whether you're using a real estate agent or selling the home on your own)
To challenge a WA property tax assessment
Remove PMI to cut their mortgage payments
To reinstate your Home Equity Line of Credit (or HELOC)
Review a different appraiser's report for verification
In the case of a WA divorce, where real estate property needs to be divided
Settle an estate in WA by determining the true market value of property in question

Need help deciding the price of your house in or near Loon Lake, WA?
Contact Lakewood Evaluations.

At Lakewood Evaluations, we understand the special needs of a consumer seeking appraisal services. Our business practices and reporting formats are familiar to our business clients like lenders, lawyers, and CPAs. But as a general consumer,we will give you extra guidance and explanations through the appraisal process to more fully understand what we do and how we report our findings.

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

It's very hard to be objective about your own home because of your emotional attachment to it. Our professional appraisers at Lakewood Evaluations 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 a very valuable negotiating tool once you have a likely buyer. It gives you something concrete 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 house is worth. Interested buyers assume that you have an emotional attachment to your home and will be more likely to give credibility to an accomplished appraiser's value estimation than yours.

Appraisals to remove PMI

PMI stands for Private Mortgage Insurance. A preferred money saver for homeowners is getting the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. Your monthly payments will go down once your mortgage loan amount is less than 80% of the value of your house. In most cases you can apply to the lender to have the PMI canceled from your loan. We are seasoned in helping people just like you delete unwanted PMI insurance.

Challenging property tax assessments

Your local tax assessor may have your home overvalued if you live in a local area that's declining or is not appreciating as much as other homes close to yours. 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 contesting your property tax assessment, getting a professional appraisal from Lakewood Evaluations is your best weapon.

HELOC recently frozen?

Your lender might choose to automatically freeze your home equity line of credit (HELOC) if your property is in or near a declining area -- even if your specific property has not declined in value. This can be be bad for your credit score since it may appear as though that credit line is maxed out, and also inopportune from a cash flow standpoint. Lakewood Evaluations can help you reinstate your HELOC.

Field and Desktop Appraisal Review Services

Do you need an expert to double-check your appraisal for efficiency, or do you desire a second opinion without the expense and delay of waiting for a whole new appraisal? In a field review we'll go out and check the subject and comparables. If you need it immediately, we'll provide 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 make use of this service if you suspect mortgage fraud related to your property.