Attention homeowners in Albuquerque and Bernalillo County: Need an appraisal?

Here are the top seven reasons why NM homeowners call on Baird Appraisal Service:

  1. Find the right listing price (whether they're selling the home on their own or using a real estate agent)
  2. Challenge Bernalillo county's assessment of your propertyvalue
  3. To reduce your mortgage payment by removing PMI
  4. Reinstate their Home Equity Line of Credit (or HELOC)
  5. Verify a different appraiser's report
  6. In the case of a NM divorce, when real estate property needs to be divided
  7. Settle an estate in NM by determining the true market value of property in question

Do you own a home in or near Albuquerque? Do you need help deciding the value of your real estate?
Contact Baird Appraisal Service.

At Baird Appraisal Service, we understand the particular needs of a homeowner in need of appraisal services. While our usual business clients understand the appraisal process and standard reporting formats, you as a consumer will get extra customer 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 (FSBO)

Since you have an emotional attachment to your house, it's often very hard to be objective about it. Our professional appraisers at Baird Appraisal Service 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 house will attract buyers, a professional appraisal is a very valuable negotiating tool once you have an attainable buyer. It's something concrete to show the buyer. The appraisal is an independent third party's opinion of your house's price, not just you saying how much your home is worth. Interested buyers assume that you have an emotional attachment to your house and will be far more likely to give credibility to a seasoned appraiser's value estimation than yours.

Appraisals to remove PMI

PMI stands for Private Mortgage Insurance. A popular money saver for homeowners is to get the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan amount is down below 80% of the value of your property, in most cases you can apply to the lender to have the PMI removed from your loan, which will make your monthly payments go down. We are experts in helping clients just like you dismiss unwanted and unneeded PMI insurance.

Challenge property tax assessments

Your local tax assessor may have your home overvalued if you live in a region that is going down or is not appreciating as much as other houses close by. That only means you are paying more taxes than you should. The earlier you take care of a matter like this, the better, since your property assessment may likely go up again in the next period. An expert appraisal from Baird Appraisal Service is your number one 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 house is near a declining area. This can be be damaging to your credit score since it may appear as though that credit line is maxed out, and also disadvantageous from a cash flow point of view. Baird Appraisal Service can help you reinstate your HELOC.

We 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 want a seasoned appraiser to double-check your appraisal for precision? An appraiser from Baird Appraisal Service can go out and check the subject and comps in question in a field review. 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? Baird Appraisal Service can help you with that. Even though this is usually requested by banks, you may desire to utilize this service if you suspect mortgage fraud related to your house.