Attention homeowners in Sandpoint and Bonner County: Need an appraisal?

Here are the top reasons ID homeowners order from Vogel Appraisal:

  1. Find the right listing price (whether you're using an agent or selling the home on your own)
  2. To challenge a ID property tax assessment
  3. Remove PMI to lower a monthly mortgage payment
  4. To reinstate their Home Equity Line of Credit (HELOC)
  5. Review a different appraiser's report for verification
  6. If real estate needs to be divided because of a divorce
  7. Determine the true market value of real estate in question to settle an estate

Do you own a home in or near Sandpoint? Do you need help determining the price of your real estate?
Contact Vogel Appraisal.

We at Vogel Appraisal understand the individual needs of a consumer seeking appraisal services. Our customary business clients understand the appraisal process and the usual documents we provide. But as a consumer,you'll receive extra guidance and explanations through the appraisal process to more fully understand what we do and how we present our findings.

For Sale By Owner/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 Vogel Appraisal are objective. We won't just tell you what you want to hear, we'll tell you what you need to know. In addition to helping you set a realistic price to sell at so your home will attract interested buyers, a professional appraisal is very valuable as a negotiating tool once you have a potential buyer. It gives you something concrete to show your buyer. It's an independent third party's opinion of your home's value, and not just how much you think your house is worth. Interested buyers assume that you have an emotional attachment to your house and will be far more likely to give credibility to a professional appraiser's value judgement than yours.

Appraisals to remove PMI

PMI stands for Private Mortgage Insurance. An attractive way to cut expenses for homeowners is to get the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan is less than 80% of the value of your property, in most cases you can apply to a lender to have the PMI removed from your loan, which will make your monthly payments go down. At Vogel Appraisal, we're experts in helping customers just like you abolish unwanted PMI insurance.

Challenge Bonner county's assessment of your property

Your local tax assessor may have your home overvalued if you live in an area that's declining. This only means you are going to pay higher taxes than you should be paying. The earlier you take care of things like this, the better, since your property assessment may likely go up again in the next period. When contesting your property tax assessment, getting an appraisal from Vogel Appraisal is your perfect weapon.

Was your HELOC recently frozen?

Even if your specific property has not declined in value, your lender just might decide to automatically freeze your home equity line of credit (HELOC) if your home is in or near a declining area. This can this be disadvantageous from a cash flow standpoint, and negative on your credit score since it may appear as though that credit line is maxed out. Vogel Appraisal can provide you with an expert appraisal that will help you reinstate your HELOC.

Do You Need Field and Desktop Appraisal Review Services?

Would you wish a second opinion without the charge and delay of waiting for a whole new appraisal? Or do you desire a seasoned appraiser to double-check your appraisal for accuracy? An appraiser from Vogel Appraisal can go out and check the subject and comparables in a field review. Or, if you need it in a rush, we can 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 you may have in your possession. Even though this is typically requested by banks, you may desire to make use of this service if you suspect mortgage fraud related to your house.