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

The top seven reasons MO homeowners use Joel St Pierre:

To get a pre-listing appraisal (whether they're selling the home themselves or using an agent)
Challenge property tax assessments
To cut their mortgage payments by removing PMI
Reinstate your Home Equity Line of Credit (or HELOC)
Verify a different appraiser's report
If real estate property needs to be divided because of a divorce
Settle an estate in MO by determining the true market value of real estate in question

Own a house in or near Saint Louis, MO and need help determining the value of it?
Contact Joel St Pierre.

At Joel St Pierre, we understand the unique needs of a homeowner looking for appraisal services. While our usual business 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.

Pre-listing Services/For Sale By Owner

Since you have an emotional attachment to your 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 a likely buyer, in addition to helping you set a realistic price to sell at so your property will attract interested buyers. The appraisal is something tangible to show the buyer. It's an independent third party's opinion of your house's price, and not just how much your home is worth. Interested buyers know that you have an emotional attachment to your home and will be far more likely to give credibility to an expert appraiser's value report than yours.

Need to remove PMI?

A popular money saver 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". Your monthly payments will go down once your mortgage loan amount is below 80% of the value of your property. In most cases you can apply to the lender to have the PMI canceled from your loan. Joel St Pierre is experts in helping folks just like you dismiss unwanted PMI insurance.

Challenging property tax assessments

Lets say you live in a local area that is going down -- your local tax assessor may have your house overvalued. That only means you are going to pay more taxes than you should. Since your property assessment may likely go up again in the next period, the earlier you take care of things like this, the better. Getting a professional appraisal from Joel St Pierre is your #1 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 make the decision to automatically freeze your home equity line of credit (HELOC) if your house is near a declining area. Not only can this be unsuitable from a cash flow angle, but it can be harmful to your credit score since it may appear as though that credit line is maxed out. An expert appraisal from Joel St Pierre can help you reinstate your HELOC.

Field and Desktop Appraisal Review Services

Have you just received a copy of your appraisal and you'd wish to have a professional double-check it for efficiency or do you desire a second opinion without the expense and delay of waiting for a whole new appraisal? Joel St Pierre offers field reviews where we'll go out and check the subject and comps. If you need it ASAP, 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? Joel St Pierre can We can assist you. While usually requested by banks, you may want to utilize this service if you suspect mortgage fraud related to your property.