Real estate appraisal services for homeowners in the city of Woodruff and Oneida County

See the top 7 reasons WI homeowners need Vanessa Giles:

  1. Get a pre-listing appraisal (whether you're using a real estate agent or selling the home on your own)
  2. Challenge a property tax assessment
  3. Remove PMI to cut a monthly mortgage payment
  4. To reinstate your Home Equity Line of Credit (or HELOC)
  5. Verify another appraiser's report
  6. In the case of a WI divorce, where property needs to be divided
  7. To determine the true market value of real estate in question to settle an estate in Oneida County or the state of WI

Own a home in or near Woodruff, WI and need help determining the value of it?
Contact Vanessa Giles.

We at Vanessa Giles understand the particular needs of a homeowner in need of appraisal services. While our usual business clients understand the appraisal process and standard reporting formats, you as a consumer will get an extra level of customer 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

It's very hard to be objective about your own home because of your emotional attachment to it. Professional appraisers, like the ones at Vanessa Giles, are objective. We will tell you what you need to know, not just what you want to hear. In addition to helping you set a realistic selling price so your house will attract buyers, a professional appraisal is a crucial negotiating tool once you have a potential buyer. It gives you something tangible to show your buyer. An appraisal is an independent third party's opinion of your property's value -- not just you saying how much your home is worth. Interested buyers assume that you have an emotional attachment to your home and will be far more likely to give credibility to an expert appraiser's value opinion than yours.

Appraisals to cancel PMI

Getting the PMI (Private Mortgage Insurance) eliminated from your mortgage loan is a preferred way to cut expenses for homeowners. Once your mortgage loan amount is less than 80% of the value of your property, in most cases you can apply to the lender to have the PMI eliminated from your loan, which will make your monthly payments go down. At Vanessa Giles, we're experts in helping homeowners just like you rid yourselves of unnecessary PMI insurance.

Challenge property tax assessments

Your local tax assessor may have your house overvalued if you live in an area that is going down. This only means you're probably paying higher taxes than you should be paying. The sooner you take care of a matter like this, the better, since your property assessment may likely go up again in the next period. Getting an appraisal from Vanessa Giles is your perfect weapon when challenging your property tax assessment.

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 property is near a declining area. Not only can this be inconvenient from a cash flow viewpoint, but it can be negative on your credit score since it may appear as though that credit line is maxed out. Vanessa Giles can help you reinstate your HELOC.

We Offer Field and Desktop Appraisal Review Services

Would you prefer a second opinion without the expense and delay of waiting for a whole new appraisal? Or do you need a seasoned professional to double-check your appraisal for accuracy? Vanessa Giles offers field reviews where we go out and check the subject and comps in question. Or, if you need it ASAP, we can provide you with a 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? Vanessa Giles can help with that too. Even though this is usually requested by banks, you may want to exercise this service if you suspect mortgage fraud related to your property.