Real estate appraisal services for homeowners in the city of Enid and Garfield County

Check out the top 7 reasons why OK homeowners call on Smithson Appraisal:

  1. Get a pre-listing appraisal (whether they're selling the home on their own or using a real estate agent)
  2. To challenge a OK property tax assessment
  3. To reduce your monthly mortgage payment by removing PMI
  4. To reinstate your Home Equity Line of Credit (or HELOC)
  5. Verify another appraiser's report
  6. In the case of a OK divorce, where property needs to be divided
  7. To settle an estate in OK by determining the true market value of property in question

Do you own a house in or near Enid? Do you need help determining the price of your real estate?
Contact Smithson Appraisal.

We at Smithson Appraisal understand the individual needs of a customer after appraisal services. While our usual clients understand the appraisal process and standard reporting formats, you as a consumer will get an extra level of customer 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. Our professional appraisers at Smithson Appraisal 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 very valuable negotiating tool once you have a potential buyer. It gives you something concrete to show the buyer. An appraisal is an independent third party's opinion of your property's value -- not just you saying how much your house is worth. Potential buyers know you have an emotional attachment to your home and will be much more likely to give credibility to an experienced appraiser's value conclusion than yours.

Need to cancel PMI?

A preferred way to cut costs for homeowners is getting 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 house, in most cases you can apply to a lender to have the PMI eliminated from your loan, which will make your monthly payments go down. Smithson Appraisal is qualified in helping consumers just like you dismiss unneeded and unwanted PMI insurance.

Challenge a property tax assessment

Your local tax assessor may have your house overvalued if you live in a region that's declining. That means you're probably paying more taxes than you should. The sooner 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 report from Smithson Appraisal is your perfect weapon when contesting your property tax assessment.

HELOC recently frozen?

Your lender might decide to automatically freeze your home equity line of credit (HELOC) if your house is close to a declining area -- even if your specific property has not declined in value. This can this be inopportune from a cash flow viewpoint, and bad for your credit score since it may appear as though that credit line is maxed out. Smithson Appraisal can provide you with a professional appraisal to help you reinstate your HELOC.

We Also Offer Field and Desktop Appraisal Review Services

Have you just been given a copy of your appraisal and you'd like to have a veteran appraiser double-check it for accuracy or do you need a second opinion without the expense and delay of waiting for a whole new appraisal? Smithson Appraisal offers field reviews where we go out and check the subject and comps. 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? Smithson Appraisal can help with that too. Even though this is typically requested by banks, you may need to exploit this service if you suspect mortgage fraud related to your home.