Attention homeowners in Medford and Jackson County: Get an Appraisal today!

The top reasons OR homeowners need Linda Beard:

  1. Pre-listing appraisals (whether you're using a real estate agent or selling the home on your own)
  2. To challenge a OR property tax assessment
  3. Remove PMI to lower your monthly mortgage payment
  4. To reinstate your Home Equity Line of Credit (HELOC)
  5. Verify a different appraiser's report
  6. If real estate property needs to be divided because of a divorce
  7. Determine the true market value of property in question to settle an estate in Jackson county or OR

Need help determining the value of your home in or near Medford, OR?
Contact Linda Beard.

At Linda Beard, we understand the particular needs of a homeowner in need of appraisal services. While our typical 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 (FSBO)

It's very hard to be objective about your own house because you most likely have an emotional attachment to it. The professional appraisers at Linda Beard 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 price to sell at so your property will attract many interested buyers. It's something tangible to show your buyer. The appraisal is an independent third party's opinion of your home's value, not just how much you think your home is worth. Potential buyers assume that you have an emotional attachment to your home and will be much more likely to give credibility to a seasoned appraiser's value conclusion than yours.

PMI Removal Appraisals

PMI stands for Private Mortgage Insurance. A popular way to cut expenses for homeowners is getting the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. Your monthly payments will go down once your mortgage loan is down below 80% of the value of your property. In most cases you can apply to a lender to have the PMI eliminated from your loan. We are veterans in helping customers just like you abolish unwanted PMI insurance.

Challenging property tax assessments

Lets say you live in a region that is going down -- your local tax assessor may have your house overvalued. This means you are most likely paying higher taxes than you should be paying. The earlier you take care of things like this, the better, since your property assessment may likely go up again in the next period. Getting an appraisal report from Linda Beard is your perfect weapon when contesting your property tax assessment.

Was your HELOC recently frozen?

If your home 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. Not only can this be troublesome from a cash flow standpoint, but it can be harmful to your credit score since it may appear as though that credit line is maxed out. An efficient appraisal from Linda Beard can help you reinstate your HELOC.

Field and Desktop Appraisal Review Services

Have you just accepted a copy of your appraisal and you would wish to have an expert double-check it for preciseness or do you want a second opinion without the added expense and delay of waiting for a whole new appraisal? We can go out and check the subject and comparables in question in a field review. Or, if you're in a rush, we can 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 done before. While usually requested by banks, you may wish to employ this service if you suspect mortgage fraud related to your property.