Appraisal services for Phoenix and Maricopa County homeowners

Here are the top 7 reasons AZ homeowners order from Cobalt Appraisal Service:

Pre-listing appraisals (whether they're selling the home on their own or using a real estate agent)
Challenge property tax assessments
Remove PMI to lower a mortgage payments
Reinstate their Home Equity Line of Credit (or HELOC)
To 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 property in question to settle an estate in Maricopa county or AZ

Do you own a house in or near Phoenix? Do you need help determining the value of your real estate?
Contact Cobalt Appraisal Service.

At Cobalt Appraisal Service, we understand the unique needs of a homeowner 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.

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

Since you have an emotional attachment to your house, it's often very hard to be objective about it. Professional appraisers, like the ones at Cobalt Appraisal Service, are objective. We'll tell you what you need to know, not just what you want to hear. A professional appraisal is a crucial negotiating tool once you have an interested buyer, in addition to helping you set a realistic price to sell at so your property will attract interested buyers. It's something concrete to show your buyer. The appraisal is an independent third party's opinion of your property's value, not just you saying how much you think 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 a professional appraiser's value conclusion than yours.

Appraisals to cancel PMI

PMI stands for Private Mortgage Insurance. An attractive money saver for homeowners is getting 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. We are experienced in helping people just like you abolish unneeded PMI insurance.

Challenge Maricopa county's assessment of your property

Your local tax assessor may have your home overvalued if you live in a local area that is going down or not appreciating as much as other homes close by. That means you are paying more taxes than you should. The sooner you take care of things 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 Cobalt Appraisal Service is your chief weapon when challenging your property tax assessment.

HELOC recently frozen?

Even if your specific property has not declined in value, your lender just might choose to automatically freeze your home equity line of credit (HELOC) if your home is in or near a declining area. This can be be detrimental to your credit score since it may appear as though that credit line is maxed out, and also disadvantageous from a cash flow viewpoint. Cobalt Appraisal Service can provide you with a professional appraisal to help you reinstate your home equity line of credit.

We Provide Field and Desktop Appraisal Review Services

Would you like a second opinion without the charge and delay of waiting for a whole new appraisal? Or do you need an expert to double-check your appraisal for verity? An appraiser from Cobalt Appraisal Service can go out and check the subject and comps in question in a field review. Or, if you're in a hurry, 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? We can We can assist you Even though this is usually requested by banks, you may want to make use of this service if you suspect mortgage fraud related to your property.