Real estate appraisal services for homeowners in the city of La Crosse and La Crosse County

Here are the top seven reasons why WI homeowners use Steve Andrews Appraisal:

Pre-listing appraisals (whether they're selling the home themselves or using an agent)
Challenge La Crosse county's assessment of your property
To reduce a mortgage payment by removing PMI
Reinstate your Home Equity Line of Credit (or HELOC)
To review a different appraiser's report for verification
If real estate property needs to be divided because of a divorce
To determine the true market value of real estate in question to settle an estate in La Crosse county or WI

Need help deciding the value of your house in or near La Crosse, WI?
Contact Steve Andrews Appraisal.

We at Steve Andrews Appraisal understand the individual needs of a consumer after appraisal services. While our usual clients understand the appraisal process and standard reporting formats, you as a consumer will get extra customer 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 own home because of your emotional attachment to it. Professional appraisers, like the ones at Steve Andrews Appraisal, are objective. We'll tell you what you need to know, not just what you want to hear. 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 potential buyer. It gives you something concrete to show your buyer. The appraisal is an independent third party's opinion of your home's price, not just how much your home is worth. Interested buyers assume you have an emotional attachment to your home and will be more likely to give credibility to a seasoned appraiser's value report than yours.

PMI Removal Appraisals

A popular way to save money for homeowners is getting the PMI removed from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Once your mortgage loan is below 80% of the value of your property, in most cases you can apply to the lender to have the PMI removed from your loan, which will make your monthly payments go down. We are qualified in helping people just like you do away with undesirable PMI insurance.

Challenge a property tax assessment

Your local tax assessor may have your home overvalued if you live in a region that's going down. That only means you're paying more taxes than you should. The sooner 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. Getting an appraisal from Steve Andrews Appraisal is your chief weapon when challenging your property tax assessment.

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 house is near a declining area. This can this be annoying from a cash flow angle, and destructive to your credit score since it may appear as though that credit line is maxed out. An expert appraisal from Steve Andrews Appraisal can help you reinstate your HELOC.

Field and Desktop Appraisal Review Services

Do you need a seasoned expert to double-check your appraisal for accuracy, or do you desire a second opinion without the expense and delay of waiting for a whole new appraisal? We can go out and check the subject and comparables in question in a field review. Or, if you need it immediately, 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.

Do you need a retrospective review of an appraisal report? Steve Andrews Appraisal can help with that too. Even though this is typically requested by banks, you may want to exploit this service if you suspect mortgage fraud related to your house.