Need an appraisal in Missoula or Missoula County?

The top seven reasons why Montana homeowners need Elam Appraisals:

To get a pre-listing appraisal (whether they're selling the home on their own or using a real estate agent)
To challenge a property tax assessment in Montana
Remove PMI to reduce a mortgage payment
Reinstate your Home Equity Line of Credit (HELOC)
Review a different appraiser's report for verification
If real estate needs to be divided because of a divorce
Determine the true market value of the property in question to settle an estate in Montana


	Own a house in or near Missoula, Montana and need help determining the price of it? Contact Elam Appraisals.

At Elam Appraisals, we understand the unique needs of a customer after 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.

Pre-listing Services/For Sale by Owner

It's very hard to be objective about your own house because of your emotional attachment to it. Our professional appraisers at Elam Appraisals 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 selling price so your house will attract many interested buyers, a professional appraisal is very important as a negotiating tool once you have an attainable buyer. It's something tangible to show your buyer. It's an independent third party's opinion of your property's value, and not just how much your home is worth. Potential buyers assume you have an emotional attachment to your house and will be much more likely to give credibility to an experienced appraiser's value conclusion than yours.

Challenge Tax Assessment

Your local tax assessor may have your house overvalued if you live in a region that is going down. This means you are 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 contesting your property tax assessment, getting an expert appraisal from Elam Appraisals is your #1 weapon.

Appraisals to cancel PMI

A popular way to cut expenses for homeowners is getting 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 less than 80% of the value of your home, in most cases you can apply to a lender to have the PMI removed from your loan, which will make your monthly payments go down. We're experts in helping folks just like you rid themselves of unneeded and unwanted PMI insurance.

Was your HELOC recently frozen?

Even if your specific property has not declined in value, your lender just might make the decision to automatically freeze your home equity line of credit (HELOC) if your house is close to a declining area. Not only can this be unsuitable from a cash flow angle, but it can be bad for your credit score since it may appear as though that credit line is maxed out. Elam Appraisals can provide you with efficient appraisal that will help you reinstate your HELOC.

We Also Provide Field and Desktop Appraisal Review Services

Do you need an expert to double-check your appraisal for accuracy, or do you want a second opinion without the added cost and delay of waiting for a whole new appraisal? Elam Appraisals offers field reviews where we'll go out and check the subject and comps. Or, if you need it immediately, we can 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 report? Elam Appraisals can help you with that. While typically requested by banks, you may wish to make use of this service if you suspect mortgage fraud related to your house.