Attention homeowners in St George and Washington County: Need an appraisal?

See the top seven reasons why UT homeowners need Morley & McConkie:

  1. Pre-listing appraisals (whether they're selling the home on their own or using a real estate agent)
  2. Challenge property tax assessments
  3. To reduce a mortgage payment by removing PMI
  4. To reinstate their Home Equity Line of Credit (or HELOC)
  5. Review a different appraiser's report for verification
  6. If property needs to be divided because of a divorce
  7. Settle an estate in UT by determining the true market value of property in question

Need help deciding the value of your home in or near St George, UT?
Contact Morley & McConkie.

We at Morley & McConkie understand the special needs of a homeowner in need of appraisal services. Our business practices and reporting formats are familiar to our business clients like banks, attorneys, and accountants. Being a consumer that most likely doesn't see an appraisal every day,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.

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

It's very hard to be objective about your own house because you probably have an emotional attachment to it. Our professional appraisers at Morley & McConkie are objective. We won't just tell you what you want to hear, we will tell you what you need to know. A professional appraisal is a very important negotiating tool once you have an interested buyer, in addition to helping you set a realistic selling price so your home will attract buyers. The appraisal is something tangible to show your buyer. The appraisal is an independent third party's opinion of your property's value, not just you saying how much you think your home is worth. Interested buyers know you have an emotional attachment to your house and will be much more likely to give credibility to an expert appraiser's value assessment than yours.

Appraisals to remove PMI

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 a lender to have the PMI canceled from your loan, which will make your monthly payments go down. At Morley & McConkie, we're seasoned in helping customers just like you delete unneeded and unwanted PMI insurance.

Challenge Washington county's assessment of your property

Your local tax assessor may have your home overvalued if you live in a local area that is declining or is not appreciating as much as other houses close by. That only means you're paying more taxes than you should. The faster you take care of a matter like this, the better, since your property assessment may likely go up again in the next period. Getting an appraisal from Morley & McConkie is your chief weapon when challenging your property tax assessment.

Recently got a freeze your HELOC?

If your home is in a declining area, your lender might make the decision to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. Not only can this be troublesome from a cash flow point of view, but it can be negative on your credit score since it may appear as though that credit line is maxed out. A professional appraisal from Morley & McConkie can help you reinstate your HELOC.

Field and Desktop Appraisal Review Services

Would you wish a second opinion without the added expense and delay of waiting for a whole new appraisal? Or do you need a professional to double-check your appraisal for efficiency? We can go out and check the subject and comps 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? Morley & McConkie can help with that too. While usually requested by banks, you may want to use this service if you suspect mortgage fraud related to your home.