Attention homeowners in Ozark and Christian County: Need an appraisal?

The top seven reasons MO homeowners call on Monsanto & Associates LLC:

Get a pre-listing appraisal (whether you're using an agent or selling the home on your own)
To challenge a MO property tax assessment
Remove PMI to lower a mortgage payments
Reinstate your Home Equity Line of Credit (or HELOC)
Review another appraiser's report for verification
If real estate needs to be divided because of a divorce
Determine the true market value of real estate in question to settle an estate in MO

Need help deciding the price of your house in or near Ozark, MO?
Contact Monsanto & Associates LLC.

At Monsanto & Associates LLC, we understand the unique needs of a homeowner 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.

Pre-listing Services/For Sale By Owner

It's very hard to be objective about your own home because you probably have an emotional attachment to it. Our professional appraisers at Monsanto & Associates LLC are objective. We won't just tell you what you want to hear, we will tell you what you need to know. In addition to helping you set a realistic selling price so your home will attract many interested buyers, a professional appraisal is a crucial negotiating tool once you have a likely buyer. The appraisal is something concrete to show your buyer. The appraisal is an independent third party's opinion of your property's price, not just how much your home is worth. Potential buyers know you have an emotional attachment to your house and will be far more likely to give credibility to an expert appraiser's value assessment than yours.

PMI Removal Appraisals

An attractive way to cut expenses for homeowners is to get the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". 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 eliminated from your loan, which will make your monthly payments go down. We are experienced in helping clients just like you delete unneeded PMI insurance.

Challenging Christian county's assessment of your property

If you live in a local area that is going down or not appreciating as much as other homes close to yours, your local tax assessor may have your home overvalued. This means you are probably paying higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the sooner you take care of things like this, the better off you'll be. Getting a professional appraisal from Monsanto & Associates LLC is your best weapon when challenging your property tax assessment.

Was your HELOC recently frozen?

Even if your specific property has not declined in value, your lender may decide to automatically freeze your home equity line of credit (HELOC) if your home is in a declining area. This can this be inconvenient from a cash flow viewpoint, and destructive to your credit score since it may appear as though that credit line is maxed out. Monsanto & Associates LLC can help you reinstate your HELOC.

We Also Offer Field and Desktop Appraisal Review Services

Would you wish a second opinion without the added cost and delay of waiting for a whole new appraisal? Or do you desire a professional to double-check your appraisal for efficiency? We can go out and check the subject and comps in question in a field review. Or, if you're in a rush, we can provide 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 We can assist you Even though this is typically requested by banks, you may desire to use this service if you suspect mortgage fraud related to your property.