Appraisal services for Washougal and Clark County homeowners

The top seven reasons WA homeowners need Nicole Hammond Appraisal:

Find the right listing price (whether they're selling the home on their own or using a real estate agent)
Challenge a property tax assessment
To cut their mortgage payment by removing PMI
Reinstate your Home Equity Line of Credit (HELOC)
Review another appraiser's report for verification
If real estate property needs to be divided because of a divorce
To determine the true market value of property in question to settle an estate in WA

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

At Nicole Hammond Appraisal, we understand the particular needs of a homeowner in need of appraisal services. Our business practices and reporting formats are relatively routine to our business clients like lenders, lawyers, and CPAs. As our non-traditionalclient, we will provide you with 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 (FSBO)/Pre-Listing Services

Since you have an emotional attachment to your own house, it's often very hard to be objective about it. A professional appraiser is objective and will tell you what you need to know, not just what you want to hear. 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 property will attract buyers. It gives you something concrete to show your buyer. The appraisal is an independent third party's opinion of your house's value, not just how much you think your house is worth. Potential buyers know you have an emotional attachment to your home and will be more likely to give credibility to an expert appraiser's value conclusion than yours.

PMI Removal Appraisals

Getting the PMI (Private Mortgage Insurance) eliminated from your mortgage loan is a preferred money saver for homeowners. Your monthly payments will go down 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 canceled from your loan. At Nicole Hammond Appraisal, we're veterans in helping customers just like you abolish unnecessary PMI insurance.

Challenge property tax assessments

Lets say you live in a local area that's going down -- your local tax assessor may have your house overvalued. This means you are probably 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 challenging your property tax assessment, getting an appraisal report from Nicole Hammond Appraisal is your #1 weapon.

Recently got a freeze your HELOC?

If your home is in a declining area, your lender might just make the decision to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can be be damaging to your credit score since it may appear as though that credit line is maxed out, and also disadvantageous from a cash flow angle. Nicole Hammond Appraisal can help you reinstate your home equity line of credit with an expert appraisal.

We Provide Field and Desktop Appraisal Review Services

Have you just gotten a copy of your appraisal and you would like to have a seasoned appraiser double-check it for accuracy or do you desire a second opinion without the charge and delay of waiting for a whole new appraisal? In a field review we will go out and check the subject and comparables. 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 report you may have in your possession. While usually requested by banks, you may wish to employ this service if you suspect mortgage fraud related to your property.