Appraisal services for Bend and Deschutes County homeowners

Here are the top seven reasons why OR homeowners need Shelby Chance:

To get a pre-listing appraisal (whether they're selling the home themselves or using a real estate agent)
Challenge property tax assessments
To lower a mortgage payment by removing PMI
To reinstate your Home Equity Line of Credit (HELOC)
To review a different appraiser's report for verification
In the case of a OR divorce, where property needs to be divided
To settle an estate in OR by determining the true market value of real estate in question

Own a house in or near Bend, OR and need help determining the price of it?
Contact Shelby Chance.

At Shelby Chance, we understand the particular needs of a consumer after appraisal services. Our customary business clients are used to the appraisal process and the customary reporting formats. As our client, we will provide you with extra guidance and explanations through the appraisal process to more fully understand what we do and how we report our findings.

For Sale By Owner/Pre-Listing Services

It's very hard to be objective about your own home because you most likely have an emotional attachment to it. Professional appraisers, like the ones at Shelby Chance, will be objective. We will tell you what you need to know, not just what you want to hear. In addition to helping you set a realistic price to sell at so your home will attract interested buyers, a professional appraisal is very important as a negotiating tool once you have a potential buyer. The appraisal is something concrete to show the buyer. The appraisal is an independent third party's opinion of your house's value, not just how much you think your house is worth. Interested buyers know you have an emotional attachment to your house and will be far more likely to give credibility to a professional appraiser's value report than yours.

Need to cancel PMI?

PMI stands for Private Mortgage Insurance. A fashionable way to save money for homeowners is to get the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan is down below 80% of the value of your home, 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 unnecessary PMI insurance.

Challenge Tax Assessment

Your local tax assessor may have your home overvalued if you live in a region that's going down or not appreciating as much as other properties close by. This only means you are going to pay higher taxes than you should be paying. The quicker 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. When challenging your property tax assessment, getting an appraisal report from Shelby Chance is your number one weapon.

HELOC recently frozen?

Your lender might make the decision to automatically freeze your home equity line of credit (HELOC) if your house is in a declining area -- 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 annoying from a cash flow standpoint. Shelby Chance can help you reinstate your HELOC.

We Provide Field and Desktop Appraisal Review Services

Would you wish a second opinion without the expense and delay of waiting for a whole new appraisal? Or do you desire an expert to double-check your appraisal for accuracy? Shelby Chance offers field reviews where we go out and check the subject and comparables. Or, if you're in a hurry, we can provide you with a desk review and verify as many facts as we can using online data sources as well as our own files.

We can also provide you with a a retrospective review of any appraisal you may have had done before. While typically requested by banks, you may want to employ this service if you suspect mortgage fraud related to your property.