Need an appraisal in Dewey or Yavapai County?

Check out the top seven reasons AZ homeowners need Phil Edwards:

Pre-listing appraisals (whether you're using an agent or selling the home on your own)
To challenge a AZ property tax assessment
To lower a mortgage payment by removing PMI
Reinstate your Home Equity Line of Credit (or HELOC)
To review a different appraiser's report for verification
In the case of a AZ divorce, where real estate property needs to be divided
Settle an estate in AZ by determining the true market value of real estate in question

Need help deciding the value of your house in or near Dewey, AZ?
Contact Phil Edwards.

We at Phil Edwards understand the special needs of a homeowner after appraisal services. While our typical 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 (FSBO)/Pre-Listing Services

It's very hard to be objective about your home because you probably have an emotional attachment to it. Professional appraisers, like the ones at Phil Edwards, are objective. We will tell you what you need to know, not just what you want to hear. In addition to helping you set a realistic price to sell at so your house will attract buyers, a professional appraisal is very important as a negotiating tool once you have an attainable buyer. It's something concrete to show your buyer. An appraisal is an independent third party's opinion of your home's value -- not just how much you think your home is worth. Interested buyers assume that you have an emotional attachment to your home and will be much more likely to give credibility to a qualified appraiser's value assessment than yours.

Appraisals to cancel PMI

PMI stands for Private Mortgage Insurance. A fashionable money saver for homeowners is to get the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. Your monthly payments will go down once your mortgage loan is below 80% of the value of your house. In most cases you can apply to a lender to have the PMI canceled from your loan. We're experts in helping customers just like you rid themselves of unwanted PMI insurance.

Challenge a property tax assessment

If you live in a region that is declining or is not appreciating as much as other homes close to yours, your local tax assessor may have your home overvalued. This only means you are going to pay higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the earlier you take care of a matter like this, the better off you'll be. Getting an appraisal from Phil Edwards is your perfect weapon when contesting your property tax assessment.

Was your HELOC recently frozen?

If your house is in or near a declining area, your lender may make the decision to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can this be disadvantageous from a cash flow angle, and detrimental to your credit score since it may appear as though that credit line is maxed out. Phil Edwards can help you reinstate your HELOC.

We Also Provide Field and Desktop Appraisal Review Services

Have you just gotten a copy of your appraisal and you'd prefer to have a professional double-check it for preciseness or do you need a second opinion without the cost and delay of waiting for a whole new appraisal? An appraiser from Phil Edwards can go out and check the subject and comps in a field review. Or, if you need it ASAP, 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.

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