Need an appraisal in Cottage Grove or Washington County?

Here are the top reasons Minnesota homeowners hire John E. Moes Appraisal Services:

Find the right listing price (whether they're selling the home themselves or using an agent)
To challenge a property tax assessment in Minnesota
To cut your mortgage payment by removing PMI
Reinstate your Home Equity Line of Credit (HELOC)
Review another appraiser's report for verification
In the case of a divorce in the state of Minnesota, where real estate property needs to be divided
Settle an estate in Minnesota by determining the true market value of real estate


	Need help determining the value of your home in or near Cottage Grove, Minnesota? Contact John E. Moes Appraisal Services.

At John E. Moes Appraisal Services, we understand the particular needs of a customer in need of appraisal services. Our usual business clients are used to the appraisal process and the usual "products" we deliver to them. But as a consumer, you can expect extra guidance and explanations through the appraisal process to more clearly understand what we do and how we present our conclusions.

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. Professional appraisers, like the ones at John E. Moes Appraisal Services, will be objective. We 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 a likely buyer, in addition to helping you set a realistic selling price so your property will attract buyers. It gives you something concrete to show your buyer. It's an independent third party's opinion of your property's value, and not just you saying how much your home is worth. Potential buyers know that you have an emotional attachment to your house and will be more likely to give credibility to an accomplished appraiser's value report than yours.

Challenge Washington County's assessment of your property

Let's say your house is not appreciating as much as other homes close to yours -- your local tax assessor may have your home overvalued. That only means you're probably paying more taxes than you should. The quicker you take care of a matter like this, the better, since your property assessment may likely go up again in the next period. An appraisal from John E. Moes Appraisal Services is your perfect weapon when challenging your property tax assessment.

PMI Removal Appraisals

An attractive way to cut costs for homeowners is to get the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Once your mortgage loan amount is less than 80% of the value of your home, in most cases you can apply to your lender to have the PMI removed from your loan, which will make your monthly payments go down. We're seasoned in helping folks just like you remove unneeded and unwanted PMI insurance.

Recently got a freeze to your HELOC?

Even if your specific property has not declined in value, your lender may just decide to automatically freeze your home equity line of credit (HELOC) if your home is in a declining area. This can be destructive to your credit score since it may appear as though that credit line is maxed out, and also troublesome from a cash flow angle. John E. Moes Appraisal Services can provide you with a professional 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 accuracy, or do you want a second opinion without the cost and delay of waiting for a whole new appraisal? In a field review we will go out and check the subject and comparables. If you need it immediately, 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 report? John E. Moes Appraisal Services can help you with that. Even though most appraisal reviews are requested by lenders for quality control, homeowners suspecting they've been the victim of mortgage fraud are prudent to invest in a second opinion.