Appraisal services for Hayden and Kootenai County homeowners

See the top reasons ID homeowners order from North Idaho Appraisal:

  1. Pre-listing appraisals (whether they're selling the home on their own or using a real estate agent)
  2. Challenge a property tax assessment
  3. To lower their mortgage payment by removing PMI
  4. To reinstate their Home Equity Line of Credit (or HELOC)
  5. Verify another appraiser's report
  6. In the case of a ID divorce, when property needs to be divided
  7. Settle an estate in ID by determining the true market value of real estate in question

Need help determining the value of your home in or near Hayden, ID?
Contact North Idaho Appraisal.

At North Idaho Appraisal, we understand the particular needs of a homeowner after appraisal services. Our typical business clients are used to the appraisal process and the customary documents we provide. But as a general consumer,you'll receive extra guidance and explanations through the appraisal process to more clearly understand what we do and how we present our findings.

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

It's very hard to be objective about your house because you most likely have an emotional attachment to it. Professional appraisers, like the ones at North Idaho Appraisal, are objective. We'll tell you what you need to know, not just what you want to hear. A professional appraisal is very valuable 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 tangible to show the buyer. The appraisal is an independent third party's opinion of your home's price, not just how much your house is worth. Potential buyers assume you have an emotional attachment to your house and will be more likely to give credibility to a qualified appraiser's value report than yours.

Need to cancel PMI?

Getting the PMI (Private Mortgage Insurance) canceled from your mortgage loan is a popular way to save money for homeowners. Once your mortgage loan amount is below 80% of the value of your house, 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 veterans in helping clients just like you delete unwanted PMI insurance.

Challenge Kootenai county's assessment of your property

Lets say your house is not appreciating as much as other houses nearby -- your local tax assessor may have your home overvalued. This means you're most likely 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 North Idaho Appraisal is your #1 weapon when contesting your property tax assessment.

HELOC recently frozen?

If your house is in or near a declining area, your lender might decide to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can be be detrimental to your credit score since it may appear as though that credit line is maxed out, and also difficult and inconvenient from a cash flow angle. North Idaho Appraisal can provide you with an expert appraisal that will help you reinstate your HELOC.

Field and Desktop Appraisal Review Services

Would you wish a second opinion without the charge and delay of waiting for a whole new appraisal? Or do you desire a seasoned professional to double-check your appraisal for precision? An appraiser from North Idaho Appraisal 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.

Do you need a retrospective review of an appraisal report? North Idaho Appraisal can help you with that. While typically requested by banks, you may wish to use this service if you suspect mortgage fraud related to your house.