Appraisal services for Lewistown and Lewis County homeowners

The top 7 reasons why Missouri homeowners order from Julie Cramsey:

Get a pre-listing appraisal (whether they're selling the home themselves or using a real estate agent)
To challenge your property tax assessment in Missouri
Remove PMI to cut your mortgage payments
To reinstate their Home Equity Line of Credit (HELOC)
Review a different appraiser's report for verification
If property needs to be divided because of a divorce
Determine the true market value of the property in question to settle an estate in Lewis county or Missouri


	Own a house in or near Lewistown, Missouri and need help deciding the value of it? Contact Julie Cramsey.

We at Julie Cramsey understand the unique needs of a consumer seeking appraisal services. The appraisal process and reporting formats are relatively routine to our business clients like lenders, attorneys, and CPAs. As our valued client, you can expect extra guidance and explanations through the appraisal process to better understand what we do and how we report our findings.

Pre-listing Services/For Sale by Owner

Since you have an emotional attachment to your own home, it's often very hard to be objective about it. The professional appraisers at Julie Cramsey 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 potential buyer, in addition to helping you set a realistic price to sell at so your house will attract buyers. It's something tangible to show your buyer. It's an independent third party's opinion of your home's value, and not just how much your home is worth. Potential buyers know that you have an emotional attachment to your home and will be more likely to give credibility to a qualified appraiser's value assessment than yours.

Challenging property tax assessments

Your local tax assessor may have your house overvalued if you live in a region that's going down. That means you are going to pay more taxes than you should. Since your property assessment may likely go up again in the next period, the sooner you take care of a matter like this, the better. Getting a professional appraisal from Julie Cramsey is your number one weapon when challenging your property tax assessment.

Need to remove PMI?

An attractive way to cut expenses for homeowners is getting the PMI eliminated 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 property. In most cases you can apply to your lender to have the PMI removed from your loan. We are experienced in helping consumers just like you rid yourselves of unwanted and unneeded PMI insurance.

HELOC recently frozen?

If your home is close to a declining area, your lender just might choose to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can be damaging to your credit score since it may appear as though that credit line is maxed out, and also inopportune from a cash flow viewpoint. An efficient appraisal from Julie Cramsey can help you reinstate your HELOC.

We Provide Field and Desktop Appraisal Review Services

Have you just been handed a copy of your appraisal and you'd like to have a seasoned appraiser double-check it for precision or do you desire a second opinion without the added expense and delay of waiting for a whole new appraisal? Julie Cramsey offers field reviews where we'll go out and check the subject and comparables in question. Or, if you're in a hurry, 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.

Do you need a retrospective review of an appraisal report? We can assist you. While usually requested by banks, you may want to take advantage of this service if you suspect mortgage fraud related to your property.