Attention homeowners in Polk and Hickory County: Get an Appraisal today!

See the top reasons MO homeowners need Earl Dillabough Appraisal Company:

Find the right listing price (whether you're using an agent or selling the home on your own)
Challenge a property tax assessment
To reduce a mortgage payment by removing PMI
To reinstate your Home Equity Line of Credit (or HELOC)
Verify another appraiser's report
In the case of a MO divorce, where property needs to be divided
Determine the true market value of property in question to settle an estate in Hickory county or MO

Own a house in or near Polk, MO and need help determining the value of it?
Contact Earl Dillabough Appraisal Company.

We at Earl Dillabough Appraisal Company understand the particular needs of a consumer in need of appraisal services. Our regular business clients get the appraisal process and the customary reporting formats. But as a general consumer,you can expect extra guidance and explanations through the appraisal process to more fully understand what we do and how we present our findings.

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

It's very hard to be objective about your own home because you probably have an emotional attachment to it. The professional appraisers at Earl Dillabough Appraisal Company will tell you what you need to know -- not just what you want to hear. We are objective. 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 property's value -- not just how much you think your home is worth. Potential buyers assume you have an emotional attachment to your home and will be much more likely to give credibility to a professional appraiser's value assessment than yours.

Need to remove PMI?

PMI stands for Private Mortgage Insurance. An attractive way to cut expenses for homeowners is to get the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. Your monthly payments will go down once your mortgage loan amount is below 80% of the value of your house. In most cases you can apply to the lender to have the PMI eliminated from your loan. Earl Dillabough Appraisal Company is experts in helping folks just like you abolish undesirable PMI insurance.

Challenging a property tax assessment

If you live in a local area that is declining or is not appreciating as much as other homes close to yours, your local tax assessor may have your house overvalued. This only means you're most likely 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 a matter like this, the better off you'll be. An appraisal report from Earl Dillabough Appraisal Company is your #1 weapon when challenging your property tax assessment.

Recently got a freeze your HELOC?

Your lender just may decide to automatically freeze your home equity line of credit (HELOC) if your property is near a declining area -- even if your specific property has not declined in value. Not only can this be unsuitable from a cash flow angle, but it can be unfavorable to your credit score since it may appear as though that credit line is maxed out. Earl Dillabough Appraisal Company can provide you with efficient appraisal to help you reinstate your HELOC.

We Also Offer Field and Desktop Appraisal Review Services

Have you just received a copy of your appraisal and you would wish to have a professional double-check it for verity or do you desire a second opinion without the expense and delay of waiting for a whole new appraisal? In a field review we will go out and check the subject and comparables in question. If you need it ASAP, we'll provide 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 you may have had in the past. Even though this is usually requested by banks, you may desire to make use of this service if you suspect mortgage fraud related to your house.