Attention homeowners: Real estate appraisal services for in Elko and Elko County

The top 7 reasons why NV homeowners order from Moschetti & Moschetti:

  1. Get a pre-listing appraisal (whether you're using a real estate agent or selling the home on your own)
  2. Challenge property tax assessments
  3. To lower your mortgage payment by removing PMI
  4. To reinstate your Home Equity Line of Credit (or HELOC)
  5. To review another appraiser's report for verification
  6. In the case of a NV divorce, where property needs to be divided
  7. Determine the true market value of real estate in question to settle an estate

Do you own a home in or near Elko? Do you need help determining the value of your real estate?
Contact Moschetti & Moschetti.

We at Moschetti & Moschetti understand the special needs of a customer seeking appraisal services. Our business practices and reporting formats are relatively routine to our business clients like lenders, attorneys, and CPAs. As our client, you can expect extra guidance and explanations through the appraisal process to more clearly understand what we do and how we document our findings.

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

Since you have an emotional attachment to your 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. A professional appraisal is very crucial as a negotiating tool once you have an interested buyer, in addition to helping you set a realistic selling price so your property will attract many interested buyers. It gives you something concrete to show your buyer. An appraisal is an independent third party's opinion of your property's price -- not just you saying how much you think your home is worth. Potential buyers know that you have an emotional attachment to your home and will be much more likely to give credibility to an expert appraiser's value judgement than yours.

Appraisals to remove PMI

PMI stands for Private Mortgage Insurance. A fashionable way to cut costs for homeowners is getting the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan is below 80% of the value of your home, in most cases you can apply to the lender to have the PMI eliminated from your loan, which will make your monthly payments go down. We're seasoned in helping people just like you abolish unneeded and unwanted PMI insurance.

Challenging property tax assessments

Your local tax assessor may have your house overvalued if your home is not appreciating as much as other homes nearby. This means you are probably 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. An expert appraisal from Moschetti & Moschetti is your perfect weapon when contesting your property tax assessment.

HELOC recently frozen?

Even if your specific property has not declined in value, your lender might just make the decision to automatically freeze your home equity line of credit (HELOC) if your home is in a declining area. Not only can this be troublesome from a cash flow standpoint, but it can be detrimental to your credit score since it may appear as though that credit line is maxed out. Moschetti & Moschetti can help you reinstate your HELOC.

We Also Provide Field and Desktop Appraisal Review Services

Would you like a second opinion without the cost and delay of waiting for a whole new appraisal? Or do you desire a seasoned appraiser to double-check your appraisal for preciseness? In a field review we'll go out and check the subject and comparables. Or, if you need it immediately, we can provide 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 report you may have had in the past. Even though this is typically requested by banks, you may want to exercise this service if you suspect mortgage fraud related to your home.