Attention homeowners in Manchester and Saint Louis County: Get an Appraisal today!

See the top 7 reasons why MO homeowners order from Lois E. Ellis:

  1. Get a pre-listing appraisal (whether they're selling the home themselves or using an agent)
  2. Challenge Saint Louis county's assessment of your property
  3. To cut a mortgage payment by removing PMI
  4. To reinstate their Home Equity Line of Credit (or HELOC)
  5. Review another appraiser's report for verification
  6. If real estate property needs to be divided because of a divorce
  7. To settle an estate in Saint Louis county or MO by determining the true market value of property in question

Own a house in or near Manchester, MO and need help deciding the value of it?
Contact Lois E. Ellis.

We at Lois E. Ellis understand the particular needs of a consumer seeking appraisal services. While our usual business 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/Pre-Listing Services

It's very hard to be objective about your own home because of your emotional attachment to it. The professional appraisers at Lois E. Ellis will tell you what you need to know -- not just what you want to hear. We are objective. In addition to helping you set a realistic selling price so your house will attract many interested buyers, a professional appraisal is very crucial as a negotiating tool once you have a likely buyer. It's something concrete to show your buyer. The appraisal is an independent third party's opinion of your home's price, not just you saying how much your home is worth. Interested buyers assume you have an emotional attachment to your house and will be much more likely to give credibility to an accomplished appraiser's value conclusion than yours.

Appraisals to remove PMI

Getting the PMI (Private Mortgage Insurance) canceled from your mortgage loan is a fashionable way to save money for homeowners. Once your mortgage loan is below 80% of the value of your home, in most cases you can apply to your lender to have the PMI removed from your loan, which will make your monthly payments go down. At Lois E. Ellis, we're qualified in helping people just like you rid yourselves of unneeded PMI insurance.

Challenge Saint Louis county's assessment of your property

Lets say your house is not appreciating as much as other homes nearby -- your local tax assessor may have your home overvalued. That means you are paying more taxes than you should. The earlier 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 Lois E. Ellis is your perfect weapon when challenging your property tax assessment.

Was your HELOC recently frozen?

Even if your specific property has not declined in value, your lender might just decide to automatically freeze your home equity line of credit (HELOC) if your house is near a declining area. This can be be negative on your credit score since it may appear as though that credit line is maxed out, and also annoying from a cash flow angle. Lois E. Ellis can help you reinstate your home equity line of credit with efficient appraisal.

We Also Offer Field and Desktop Appraisal Review Services

Have you just been given a copy of your appraisal and you'd wish to have a seasoned appraiser double-check it for verity or do you want a second opinion without the cost and delay of waiting for a whole new appraisal? Lois E. Ellis offers field reviews where we go out and check the subject and comps in question. Or, if you need it in a rush, 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.

We can also provide a retrospective review of any appraisal report you may have had in the past. Even though this is typically requested by banks, you may wish to use this service if you suspect mortgage fraud related to your house.