Need an appraisal in St George or Washington County?

Here are the top 7 reasons UT homeowners call on Morley & McConkie:

Find the right listing price (whether they're selling the home on their own or using an agent)
Challenge a property tax assessment
To lower a monthly mortgage payment by removing PMI
To reinstate their Home Equity Line of Credit (or HELOC)
To review a different appraiser's report for verification
If real estate needs to be divided because of a divorce
To settle an estate in Washington county or UT by determining the true market value of real estate in question

Do you own a home in or near St George? Do you need help deciding the price of your real estate?
Contact Morley & McConkie.

We at Morley & McConkie understand the unique needs of a customer in need of appraisal services. Our business practices and reporting formats are relatively routine to our business clients like banks, lawyers, and CPAs. Being a person not in the real estate business that most likely doesn't look at appraisals every day,we'll be sure you get extra guidance and explanations through the appraisal process to more fully understand what we do and how we document the results of our analysis.

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

It's very hard to be objective about your own home because of your emotional attachment to it. Professional appraisers, like the ones at Morley & McConkie, 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 property will attract interested buyers, a professional appraisal is very crucial as a negotiating tool once you have an interested buyer. It's something tangible to show the buyer. It's an independent third party's opinion of your home's value, and not just you saying how much you think your home is worth. Potential buyers assume you have an emotional attachment to your home and will be far more likely to give credibility to an accomplished appraiser's value conclusion than yours.

PMI Removal Appraisals

PMI stands for Private Mortgage Insurance. A popular way to save money for homeowners is to get the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. Your monthly payments will go down once your mortgage loan is less than 80% of the value of your house. In most cases you can apply to your lender to have the PMI canceled from your loan. At Morley & McConkie, we're qualified in helping folks just like you remove unneeded PMI insurance.

Challenging property tax assessments

Lets say your house is not appreciating as much as other properties nearby -- your local tax assessor may have your house overvalued. This only means you are paying higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the quicker you take care of a matter like this, the better. An appraisal from Morley & McConkie is your chief weapon when contesting your property tax assessment.

Was your HELOC recently frozen?

If your house is near a declining area, your lender might choose to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can this be difficult from a cash flow angle, and negative on your credit score since it may appear as though that credit line is maxed out. Morley & McConkie can provide you with an expert appraisal to help you reinstate your HELOC.

We Offer Field and Desktop Appraisal Review Services

Have you just received a copy of your appraisal and you'd wish to have an expert double-check it for efficiency or do you desire a second opinion without the expense and delay of waiting for a whole new appraisal? We can go out and check the subject and comparables in a field review. If you're in a hurry, 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.

We can also provide a retrospective review of any appraisal report you may have had in the past. Even though this is typically requested by banks, you may wish to exercise this service if you suspect mortgage fraud related to your property.