Real estate appraisal services for homeowners in the city of Tucson and Pima County

See the top seven reasons AZ homeowners call on Cheryl A. Zormerier:

  1. Pre-listing appraisals (whether they're selling the home on their own or using a real estate agent)
  2. Challenge a property tax assessment
  3. To cut your mortgage payment by removing PMI
  4. To reinstate your Home Equity Line of Credit (or HELOC)
  5. Verify another appraiser's report
  6. In the case of a AZ divorce, when property needs to be divided
  7. Determine the true market value of property in question to settle an estate in AZ

Do you own a home in or near Tucson? Do you need help deciding the price of your real estate?
Contact Cheryl A. Zormerier.

At Cheryl A. Zormerier, we understand the particular needs of a consumer looking for appraisal services. While our typical clients understand the appraisal process and standard reporting formats, you as a consumer will get an extra level of customer 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 own house, it's often very hard to be objective about it. Our professional appraisers at Cheryl A. Zormerier 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 many interested buyers, a professional appraisal is a crucial negotiating tool once you have a potential buyer. It's something tangible to show the buyer. The appraisal is an independent third party's opinion of your home's value, not just you saying how much your house is worth. Interested buyers assume that you have an emotional attachment to your home and will be much more likely to give credibility to an experienced appraiser's value assessment than yours.

PMI Removal Appraisals

A preferred way to cut expenses for homeowners is to get the PMI eliminated 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 is below 80% of the value of your property. In most cases you can apply to a lender to have the PMI canceled from your loan. We're qualified in helping clients just like you delete unnecessary PMI insurance.

Challenge Tax Assessment

Lets say your house is not appreciating as much as other homes close to yours -- your local tax assessor may have your home overvalued. This means you're most likely paying higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the quicker you take care of a matter like this, the better. An expert appraisal from Cheryl A. Zormerier is your perfect weapon when contesting your property tax assessment.

HELOC recently frozen?

If your house is close to a declining area, your lender might choose to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can this be difficult from a cash flow angle, and destructive to your credit score since it may appear as though that credit line is maxed out. Cheryl A. Zormerier can help you reinstate your HELOC.

Field and Desktop Appraisal Review Services

Would you prefer a second opinion without the added expense and delay of waiting for a whole new appraisal? Or do you want a seasoned expert to double-check your appraisal for precision? An appraiser from Cheryl A. Zormerier can go out and check the subject and comps in a field review. If you're in a hurry, 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? Cheryl A. Zormerier can help with that too. While typically requested by banks, you may want to utilize this service if you suspect mortgage fraud related to your house.