profile picture

Appraisal services for Helena and Phillips County homeowners

Check out the top seven reasons why Arkansas homeowners order from Hornor Appraisal Company:

  1. Get a pre-listing appraisal (whether you're using an agent or selling the home on your own)
  2. Challenge Phillips County's assessment of your property value
  3. Remove PMI to cut their mortgage payments
  4. Reinstate their Home Equity Line of Credit (or HELOC)
  5. Verify another appraiser's report
  6. If property needs to be divided because of a divorce
  7. To settle an estate in Arkansas by determining the true market value of the real estate in question
Do you own a home in or near Helena? Do you need help deciding the value of your real estate? Contact Hornor Appraisal Company.

We at Hornor Appraisal Company understand the special needs of a customer in need of appraisal services. While our typical business 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.

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

Since you have an emotional attachment to your home, it's often very hard to be objective about it. The professional appraisers at Hornor Appraisal Company will tell you what you need to know -- not just what you want to hear. We are objective. A professional appraisal is a crucial negotiating tool once you have an interested buyer, in addition to helping you set a realistic selling price so your home will attract interested buyers. The appraisal is something tangible to show your buyer. It's an independent third party's opinion of your property's value, and not just how much your house is worth. Potential buyers know that you have an emotional attachment to your house and will be far more likely to give credibility to an experienced appraiser's value judgement than yours.

Challenge a property tax assessment

Let's say your home is not appreciating as much as other properties nearby -- your local tax assessor may have your house overvalued. This means you're paying higher taxes than you should be paying. The sooner you take care of things like this, the better, since your property assessment may likely go up again in the next period. An expert appraisal from Hornor Appraisal Company is your best weapon when contesting your property tax assessment.

Need to cancel PMI?

A popular 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 is down below 80% of the value of your house. In most cases you can apply to your lender to have the PMI removed from your loan. Hornor Appraisal Company is seasoned in helping folks just like you get rid of unneeded PMI insurance.

Was your HELOC recently frozen?

If your house is in a declining area, your lender may choose to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can be difficult from a cash flow angle, and unfavorable to your credit score since it may appear as though that credit line is maxed out. Hornor Appraisal Company can provide you with efficient appraisal to help you reinstate your home equity line of credit.

Do You Need Field and Desktop Appraisal Review Services?

Do you need a professional to double-check your appraisal for precision, or do you desire a second opinion without the cost and delay of waiting for a whole new appraisal? We can go out and check the subject and comps in a field review. If you need it ASAP, 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.

Do you need a retrospective review of an appraisal? Hornor Appraisal Company can help you with that. Even though most review work is requested by lenders for quality control, homeowners that have reason to believe they've been the victim of mortgage fraud are prudent to get a second opinion.