Need an appraisal in SAINT LOUIS or Saint Louis County?

The top reasons MO homeowners use Josef Realty Services:

  1. To get a pre-listing appraisal (whether you're using an agent or selling the home on your own)
  2. Challenge property tax assessments
  3. To lower a mortgage payments by removing PMI
  4. Reinstate their Home Equity Line of Credit (HELOC)
  5. Review a different appraiser's report for verification
  6. In the case of a MO divorce, when real estate property needs to be divided
  7. Determine the true market value of real estate in question to settle an estate in Saint Louis county or MO

Own a home in or near SAINT LOUIS, MO and need help deciding the value of it?
Contact Josef Realty Services.

We at Josef Realty Services understand the unique needs of a consumer seeking appraisal services. Our typical business clients are used to the appraisal process and the standard documents we provide. Being a regular consumer that ordinarily doesn't see an appraisal on a regular basis,you will receive extra guidance and explanations through the appraisal process to more fully understand what we do and how we present our conclusions.

For-Sale-By-Owner (FSBO) / Pre-Listing Services

It's very hard to be objective about your own home because you most likely have an emotional attachment to it. Professional appraisers, like the ones at Josef Realty Services, will be objective. We'll tell you what you need to know, not just what you want to hear. A professional appraisal is a crucial 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 buyers. It gives you something tangible to show your buyer. An appraisal is an independent third party's opinion of your property's value -- not just you saying how much you think your home is worth. Interested buyers assume that you have an emotional attachment to your house and will be much more likely to give credibility to a seasoned appraiser's value report than yours.

Appraisals to remove PMI

A popular way to cut costs 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". Once your mortgage loan is down below 80% of the value of your property, 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 Josef Realty Services, we're veterans in helping clients just like you remove unneeded and unwanted PMI insurance.

Challenging Saint Louis county's assessment of your property

Your local tax assessor may have your home overvalued if you live in a region that's going down or is not appreciating as much as other houses close to yours. This means you're going to pay 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 Josef Realty Services is your best weapon when challenging your property tax assessment.

Was your HELOC recently frozen?

If your home is close to a declining area, your lender might decide to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can be be harmful to your credit score since it may appear as though that credit line is maxed out, and also difficult and inconvenient from a cash flow angle. Josef Realty Services can help you reinstate your home equity line of credit with an expert appraisal.

Do You Need Field and Desktop Appraisal Review Services?

Have you just been given a copy of your appraisal and you would wish to have a seasoned professional double-check it for precision or do you want 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 comps. If you're 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.

Need a retrospective review of an appraisal report? We can We can assist you While usually requested by banks, you may desire to utilize this service if you suspect mortgage fraud related to your property.