Appraisal services for Girdwood and Anchorage County homeowners

The top 7 reasons why AK homeowners call on Cecilia Mendonsa:

  1. To get a pre-listing appraisal (whether they're selling the home on their own or using a real estate agent)
  2. Challenge property tax assessments
  3. Remove PMI to lower your monthly mortgage payment
  4. Reinstate their Home Equity Line of Credit (or HELOC)
  5. Review another appraiser's report for verification
  6. If property needs to be divided because of a divorce
  7. To determine the true market value of property in question to settle an estate

Own a house in or near Girdwood, AK and need help deciding the price of it?
Contact Cecilia Mendonsa.

At Cecilia Mendonsa, we understand the unique needs of a consumer looking for appraisal services. Our business practices and reporting formats are familiar to our business clients like lenders, lawyers, and CPAs. As our client, you'll receive extra guidance and explanations through the appraisal process to understand what we do and how we document our findings.

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

It's very hard to be objective about your house because you most likely have an emotional attachment to it. The professional appraisers at Cecilia Mendonsa will tell you what you need to know -- not just what you want to hear. We are objective. A professional appraisal is very crucial 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 many interested buyers. It's something tangible to show your buyer. An appraisal is an independent third party's opinion of your house's price -- not just you saying how much your home is worth. Potential buyers know that you have an emotional attachment to your house and will be more likely to give credibility to an expert appraiser's value assessment than yours.

PMI Removal Appraisals

An attractive way to cut expenses for homeowners is getting the PMI removed from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Once your mortgage loan is down below 80% of the value of your home, in most cases you can apply to the lender to have the PMI canceled from your loan, which will make your monthly payments go down. Cecilia Mendonsa is experienced in helping homeowners just like you dismiss undesirable PMI insurance.

Challenge property tax assessments

Lets say you live in a region that is going down -- your local tax assessor may have your home overvalued. This only 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 faster you take care of things like this, the better. An appraisal from Cecilia Mendonsa is your number one weapon when challenging your property tax assessment.

HELOC recently frozen?

If your property is in a declining area, your lender may decide to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can this be troublesome from a cash flow point of view, and unfavorable to your credit score since it may appear as though that credit line is maxed out. Cecilia Mendonsa can help you reinstate your home equity line of credit with an expert appraisal.

Do You Need Field and Desktop Appraisal Review Services?

Do you need a seasoned appraiser to double-check your appraisal for accuracy, or do you desire a second opinion without the added cost and delay of waiting for a whole new appraisal? An appraiser from Cecilia Mendonsa can go out and check the subject and comparables in a field review. If you need it immediately, we'll provide you with a 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 in your possession. Even though this is usually requested by banks, you may desire to exercise this service if you suspect mortgage fraud related to your home.