Appraisal services for Cascade and Dubuque County homeowners

Check out the top 7 reasons IA homeowners order from Matt Lux:

  1. Pre-listing appraisals (whether you're using an agent or selling the home on your own)
  2. Challenge property tax assessments
  3. Remove PMI to lower their mortgage payment
  4. Reinstate your Home Equity Line of Credit (HELOC)
  5. Review a different appraiser's report for verification
  6. If real estate needs to be divided because of a divorce
  7. Settle an estate in IA by determining the true market value of real estate in question

Do you own a home in or near Cascade? Do you need help deciding the value of your real estate?
Contact Matt Lux.

We at Matt Lux understand the unique needs of a consumer in need of 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.

For Sale By Owner/Pre-Listing Services

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 very valuable as a negotiating tool once you have a likely buyer, in addition to helping you set a realistic selling price so your house will attract interested buyers. The appraisal is something concrete to show the buyer. An appraisal is an independent third party's opinion of your house's value -- not just you saying how much you think your house is worth. Potential buyers know that you have an emotional attachment to your house and will be much more likely to give credibility to an accomplished appraiser's value judgement than yours.

Appraisals to remove PMI

Getting the PMI (Private Mortgage Insurance) removed from your mortgage loan is a preferred way to cut costs for homeowners. 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 your lender to have the PMI removed from your loan. Matt Lux is experienced in helping clients just like you remove unnecessary PMI insurance.

Challenge property tax assessments

Lets say your house is not appreciating as much as other properties close by -- your local tax assessor may have your house overvalued. This means you're probably paying higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the sooner you take care of things like this, the better. When challenging your property tax assessment, getting an appraisal from Matt Lux is your strongest weapon.

Was your HELOC recently frozen?

Even if your specific property has not declined in value, your lender just may make the decision to automatically freeze your home equity line of credit (HELOC) if your home is in or near a declining area. This can this be annoying from a cash flow point of view, and detrimental to your credit score since it may appear as though that credit line is maxed out. An appraisal from Matt Lux can help you reinstate your HELOC.

We Provide Field and Desktop Appraisal Review Services

Have you just gotten a copy of your appraisal and you would prefer to have a professional double-check it for verity or do you want a second opinion without the added expense and delay of waiting for a whole new appraisal? An appraiser from Matt Lux can go out and check the subject and comps in question in a field review. Or, if you need it in a rush, we can provide 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 Even though this is usually requested by banks, you may need to utilize this service if you suspect mortgage fraud related to your property.