Attention homeowners in Beloit and Rock County: Need an appraisal?

Check out the top 7 reasons WI homeowners hire Coutts Appraisal Service:

To get a pre-listing appraisal (whether you're using an agent or selling the home on your own)
To challenge a WI property tax assessment
Remove PMI to lower their monthly mortgage payment
To reinstate your Home Equity Line of Credit (HELOC)
To review another appraiser's report for verification
If real estate needs to be divided because of a divorce
To settle an estate in Rock county or WI by determining the true market value of real estate in question

Need help deciding the price of your house in or near Beloit, WI?
Contact Coutts Appraisal Service.

We at Coutts Appraisal Service understand the individual needs of a consumer after appraisal services. While our typical 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/Pre-Listing Services

Since you have an emotional attachment to your own house, it's often very hard to be objective about it. The professional appraisers at Coutts Appraisal Service will tell you what you need to know -- not just what you want to hear. We are objective. In addition to helping you set a realistic price to sell at so your house will attract many interested buyers, a professional appraisal is a crucial negotiating tool once you have an attainable buyer. It gives you something tangible to show the buyer. The appraisal is an independent third party's opinion of your house's value, not just how much you think your home is worth. Potential buyers know you have an emotional attachment to your home and will be more likely to give credibility to an expert appraiser's value judgement than yours.

Appraisals to cancel PMI

An attractive way to cut costs 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 amount is down below 80% of the value of your house, in most cases you can apply to a lender to have the PMI eliminated from your loan, which will make your monthly payments go down. Coutts Appraisal Service is experienced in helping clients just like you dismiss undesirable PMI insurance.

Challenging property tax assessments

Your local tax assessor may have your house overvalued if you live in an area that's going down. That only means you are paying more taxes than you should. Since your property assessment may likely go up again in the next period, the faster you take care of things like this, the better. Getting a professional appraisal from Coutts Appraisal Service is your best weapon when challenging your property tax assessment.

HELOC recently frozen?

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

Field and Desktop Appraisal Review Services

Have you just been given a copy of your appraisal and you'd like to have an expert double-check it for verity or do you want a second opinion without the charge and delay of waiting for a whole new appraisal? Coutts Appraisal Service offers field reviews where we go out and check the subject and comps. Or, if you need it immediately, 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.

Need a retrospective review of an appraisal report? We can help you with that Even though this is typically requested by banks, you may wish to make use of this service if you suspect mortgage fraud related to your home.