Attention homeowners: Real estate appraisal services for in Marana and Pima County

The top 7 reasons why Arizona homeowners call on Barbara Banis:

Get a pre-listing appraisal (whether you're using an agent or selling the home on your own)
Challenge a property tax assessment
To lower a mortgage payment by removing PMI
To reinstate your Home Equity Line of Credit (HELOC)
Verify a different appraiser's report
In the case of a divorce in the state of Arizona, when real estate property needs to be divided
Settle an estate in Arizona by determining the true market value of real estate


	Own a home in or near Marana, Arizona and need help deciding the price of it? Contact Barbara Banis.

We at Barbara Banis understand the special needs of a consumer looking for appraisal services. Our usual business clients get the appraisal process and the standard "products" we deliver to them. As our client, you'll receive extra guidance and explanations through the appraisal process to better understand what we do and how we document the results of our analysis.

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

Since you have an emotional attachment to your own house, it's often very hard to be objective about it. A professional appraiser is objective and 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 very valuable negotiating tool once you have an attainable buyer. It's something concrete to show your 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 assume that you have an emotional attachment to your home and will be much more likely to give credibility to a professional appraiser's value report than yours.

Challenge Tax Assessment

Let's say you live in a region that is declining -- your local tax assessor may have your home overvalued. This means you're paying higher taxes than you should be paying. The faster you take care of a matter like this, the better off you'll be, since your property assessment may likely go up again in the next period. When challenging your property tax assessment, getting a professional appraisal from Barbara Banis is your number one weapon.

Appraisals to cancel PMI

A preferred way to cut costs for homeowners is to get the PMI removed from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Your monthly payments will go down once your mortgage loan amount is down below 80% of the value of your home. In most cases you can apply to a lender to have the PMI eliminated from your loan. At Barbara Banis, we're seasoned in helping clients just like you get rid of unneeded PMI insurance.

Recently got a freeze to your HELOC?

Even if your specific property has not declined in value, your lender may just choose to automatically freeze your home equity line of credit (HELOC) if your house is near a declining area. This can be inconvenient from a cash flow standpoint, and bad for your credit score since it may appear as though that credit line is maxed out. A professional appraisal from Barbara Banis can help you reinstate your HELOC.

Field and Desktop Appraisal Review Services

Have you just been given a copy of your appraisal and you would like to have a seasoned appraiser double-check it for accuracy or do you desire a second opinion without the added expense and delay of waiting for a whole new appraisal? An appraiser from Barbara Banis can go out and check the subject and comps in question in a field review. If you need it in a rush, we'll provide 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? We can help with that too. While typically requested by banks, you may need to use this service if you suspect mortgage fraud related to your home.