Need an appraisal in Springfield or Greene County?

Here are the top 7 reasons why MO homeowners call on Total Home Analysis:

Find the right listing price (whether you're using an agent or selling the home on your own)
Challenge property tax assessments
To cut their mortgage payments by removing PMI
Reinstate your Home Equity Line of Credit (HELOC)
Review another appraiser's report for verification
If property needs to be divided because of a divorce
Determine the true market value of property in question to settle an estate

Do you own a home in or near Springfield? Do you need help determining the price of your real estate?
Contact Total Home Analysis.

We at Total Home Analysis understand the individual needs of a consumer seeking appraisal services. While our usual 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

It's very hard to be objective about your own house because you probably have an emotional attachment to it. Our professional appraisers at Total Home Analysis are objective. We won't just tell you what you want to hear, we will tell you what you need to know. In addition to helping you set a realistic price to sell at so your property will attract many interested buyers, a professional appraisal is a crucial negotiating tool once you have an interested buyer. It gives you something tangible to show the buyer. An appraisal is an independent third party's opinion of your house's value -- not just how much you think your home is worth. Interested buyers know you have an emotional attachment to your house and will be more likely to give credibility to a seasoned appraiser's value estimation than yours.

Appraisals to remove PMI

PMI stands for Private Mortgage Insurance. A preferred way to cut costs for homeowners is to get the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan amount is below 80% of the value of your property, in most cases you can apply to the lender to have the PMI removed from your loan, which will make your monthly payments go down. Total Home Analysis is veterans in helping consumers just like you do away with unneeded PMI insurance.

Challenging property tax assessments

If you live in an area that is going down or is not appreciating as much as other houses close by, your local tax assessor may have your home overvalued. That only means you are probably paying more taxes than you should. Since your property assessment may likely go up again in the next period, the earlier you take care of a matter like this, the better off you'll be. Getting an appraisal report from Total Home Analysis is your best weapon when challenging your property tax assessment.

Was your HELOC recently frozen?

Your lender may decide to automatically freeze your home equity line of credit (HELOC) if your home is in a declining area -- even if your specific property has not declined in value. Not only can this be inopportune from a cash flow standpoint, but it can be bad for your credit score since it may appear as though that credit line is maxed out. Total Home Analysis can help you reinstate your HELOC.

We Offer Field and Desktop Appraisal Review Services

Would you prefer a second opinion without the cost and delay of waiting for a whole new appraisal? Or do you need a professional to double-check your appraisal for verity? In a field review we'll go out and check the subject and comparables in question. If you're in a rush, 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 had done before. Even though this is typically requested by banks, you may want to utilize this service if you suspect mortgage fraud related to your home.