Attention homeowners: Real estate appraisal services for in Spokane and Spokane County

The top seven reasons why WA homeowners hire Christine Schaffer:

  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. To reduce your mortgage payment by removing PMI
  4. Reinstate their Home Equity Line of Credit (HELOC)
  5. To review a different appraiser's report for verification
  6. If real estate property needs to be divided because of a divorce
  7. To settle an estate in Spokane county or WA by determining the true market value of property in question

Need help determining the value of your house in or near Spokane, WA?
Contact Christine Schaffer.

We at Christine Schaffer understand the unique needs of a customer in need of appraisal services. The appraisal process and reporting formats are relatively routine to our business clients like banks, lawyers, and CPAs. As our non-traditionalclient, you will receive extra guidance and explanations through the appraisal process to better understand what we do and how we report our conclusions.

For Sale By Owner/Pre-Listing Services

It's very hard to be objective about your home because of your emotional attachment to 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 price to sell at so your home will attract interested buyers. It's something concrete to show your buyer. The appraisal is an independent third party's opinion of your house's value, not just how much your home is worth. Interested buyers assume you have an emotional attachment to your home and will be far more likely to give credibility to an expert appraiser's value opinion than yours.

Appraisals to remove PMI

Getting the PMI (Private Mortgage Insurance) canceled from your mortgage loan is a popular money saver for homeowners. Once your mortgage loan amount is below 80% of the value of your home, in most cases you can apply to the lender to have the PMI eliminated from your loan, which will make your monthly payments go down. At Christine Schaffer, we're qualified in helping clients just like you rid themselves of unneeded PMI insurance.

Challenge Tax Assessment

Your local tax assessor may have your home overvalued if you live in a region that's declining. That only means you are probably paying more taxes than you should. Since your property assessment may likely go up again in the next period, the faster you take care of things like this, the better off you'll be. When contesting your property tax assessment, getting an expert appraisal from Christine Schaffer is your strongest weapon.

HELOC recently frozen?

Your lender might just choose to automatically freeze your home equity line of credit (HELOC) if your home is in or near a declining area -- 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 difficult from a cash flow standpoint. Christine Schaffer can help you reinstate your home equity line of credit with a professional appraisal.

We Also Provide Field and Desktop Appraisal Review Services

Have you just been handed a copy of your appraisal and you'd prefer to have a seasoned appraiser double-check it for precision or do you desire a second opinion without the added cost and delay of waiting for a whole new appraisal? An appraiser from Christine Schaffer can go out and check the subject and comparables in a field review. Or, if you need it ASAP, we can provide desk review and verify as many facts as we can using online data sources as well as our own files.

Need a retrospective review of an appraisal? We can help with that too. While usually requested by banks, you may desire to use this service if you suspect mortgage fraud related to your property.