Attention homeowners: Real estate appraisal services for in Saint Louis and Saint Louis City County

The top seven reasons MO homeowners hire Holmes Appraisal Services:

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

Need help determining the value of your home in or near Saint Louis, MO?
Contact Holmes Appraisal Services.

We at Holmes Appraisal Services understand the special needs of a customer looking for 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.

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

It's very hard to be objective about your home because you probably have an emotional attachment to it. The professional appraisers at Holmes Appraisal Services 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 home will attract many interested buyers, a professional appraisal is a crucial negotiating tool once you have a likely buyer. It gives you something concrete to show your buyer. The appraisal is an independent third party's opinion of your property's value, not just you saying how much you think your house is worth. Potential buyers assume you have an emotional attachment to your home and will be more likely to give credibility to an expert appraiser's value judgement than yours.

Need to cancel PMI?

PMI stands for Private Mortgage Insurance. A popular way to cut costs for homeowners is getting the PMI removed from their mortgage loan, thus saving them money on their monthly payments. Your monthly payments will go down once your mortgage loan is down below 80% of the value of your house. In most cases you can apply to a lender to have the PMI canceled from your loan. We're qualified in helping customers just like you dismiss unwanted PMI insurance.

Challenge property tax assessments

Lets say your house is not appreciating as much as other homes nearby -- your local tax assessor may have your house overvalued. That only means you are paying more taxes than you should. The faster 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. An expert appraisal from Holmes Appraisal Services is your best weapon when contesting your property tax assessment.

Was your HELOC recently frozen?

Even if your specific property has not declined in value, your lender just may decide to automatically freeze your home equity line of credit (HELOC) if your home is in a declining area. Not only can this be unsuitable from a cash flow viewpoint, but it can be detrimental to your credit score since it may appear as though that credit line is maxed out. Holmes Appraisal Services can provide you with an expert appraisal that will help you reinstate your home equity line of credit.

Need Field and Desktop Appraisal Review Services?

Do you need a seasoned appraiser to double-check your appraisal for verity, or do you want a second opinion without the added expense and delay of waiting for a whole new appraisal? An appraiser from Holmes Appraisal Services can go out and check the subject and comps in question in a field review. If you need it in a rush, 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? Holmes Appraisal Services can help you with that. Even though this is typically requested by banks, you may wish to use this service if you suspect mortgage fraud related to your house.