Attention homeowners in Salmon Arm and none County: Get an Appraisal today!

Here are the top reasons BC homeowners need Cosh Property Appraisals:

  1. Find the right listing price (whether they're selling the home themselves or using an agent)
  2. To challenge a BC property tax assessment
  3. Remove PMI to reduce a monthly mortgage payment
  4. Reinstate their Home Equity Line of Credit (or HELOC)
  5. Review another appraiser's report for verification
  6. If property needs to be divided because of a divorce
  7. Settle an estate in BC by determining the true market value of real estate in question

Do you own a home in or near Salmon Arm? Do you need help deciding the price of your real estate?
Contact Cosh Property Appraisals.

At Cosh Property Appraisals, we understand the individual needs of a consumer after 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.

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

It's very hard to be objective about your house because of your emotional attachment to it. The professional appraisers at Cosh Property Appraisals will tell you what you need to know -- not just what you want to hear. We are objective. A professional appraisal is a crucial negotiating tool once you have an interested buyer, in addition to helping you set a realistic selling price so your home will attract many interested buyers. It's something tangible to show the buyer. The appraisal is an independent third party's opinion of your house's price, not just how much your house is worth. Potential buyers assume you have an emotional attachment to your home and will be much more likely to give credibility to a qualified appraiser's value conclusion than yours.

PMI Removal Appraisals

Getting the PMI (Private Mortgage Insurance) removed from your mortgage loan is a fashionable way to save money for homeowners. Once your mortgage loan is below 80% of the value of your property, in most cases you can apply to your lender to have the PMI removed from your loan, which will make your monthly payments go down. Cosh Property Appraisals is experienced in helping homeowners just like you rid themselves of unneeded and unwanted PMI insurance.

Challenge a property tax assessment

Lets say your home is not appreciating as much as other homes nearby -- your local tax assessor may have your home overvalued. That only means you are going to pay more taxes than you should. Since your property assessment may likely go up again in the next period, the earlier you take care of things like this, the better. When challenging your property tax assessment, getting an appraisal report from Cosh Property Appraisals is your number one weapon.

Recently got a freeze your HELOC?

If your property is near a declining area, your lender may make the decision to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can be be negative on your credit score since it may appear as though that credit line is maxed out, and also disadvantageous from a cash flow standpoint. A professional appraisal from Cosh Property Appraisals can help you reinstate your HELOC.

Do You Need Field and Desktop Appraisal Review Services?

Have you just received a copy of your appraisal and you would like to have a seasoned expert double-check it for precision or do you desire a second opinion without the added cost and delay of waiting for a whole new appraisal? We can go out and check the subject and comps in question in a field review. If you need it immediately, we'll provide 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 report you may have in your possession. Even though this is usually requested by banks, you may want to employ this service if you suspect mortgage fraud related to your property.