Attention homeowners in Medford and Jackson County: Get an Appraisal today!

See the top reasons OR homeowners use PA Cunningham and Associates, LLC:

To get a pre-listing appraisal (whether they're selling the home on their own or using an agent)
Challenge a property tax assessment
To lower your monthly mortgage payment by removing PMI
Reinstate their Home Equity Line of Credit (HELOC)
Verify a different appraiser's report
In the case of a OR divorce, when real estate property needs to be divided
Settle an estate in OR by determining the true market value of real estate in question

Own a house in or near Medford, OR and need help determining the value of it?
Contact PA Cunningham and Associates, LLC.

We at PA Cunningham and Associates, LLC understand the individual needs of a consumer seeking appraisal services. Our usual business clients are used to the appraisal process and the customary documents we provide. Being a regular person not in the real estate industry that probably doesn't look at appraisals on a regular basis,you'll receive extra guidance and explanations through the appraisal process to better understand what we do and how we present our conclusions.

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

Since you have an emotional attachment to your own house, it's often very hard to be objective about it. A professional appraiser is objective and will tell you what you need to know, not just what you want to hear. In addition to helping you set a realistic selling price so your home will attract buyers, a professional appraisal is a crucial negotiating tool once you have a potential buyer. It's something tangible to show your buyer. The appraisal is an independent third party's opinion of your property's price, not just you saying how much you think your home is worth. Interested buyers assume you have an emotional attachment to your home and will be much more likely to give credibility to an expert appraiser's value judgement than yours.

Need to cancel PMI?

An attractive way to cut expenses for homeowners is getting the PMI removed from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". 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 eliminated from your loan, which will make your monthly payments go down. We're veterans in helping clients just like you dismiss unwanted PMI insurance.

Challenge Tax Assessment

Your local tax assessor may have your home overvalued if you live in an area that is declining or is not appreciating as much as other homes close by. This only means you're most likely paying higher taxes than you should be paying. The earlier you take care of a matter like this, the better, since your property assessment may likely go up again in the next period. When challenging your property tax assessment, getting an appraisal from PA Cunningham and Associates, LLC is your perfect weapon.

Recently got a freeze your HELOC?

Even if your specific property has not declined in value, your lender just may decide to automatically freeze your home equity line of credit (HELOC) if your home is near a declining area. Not only can this be disadvantageous from a cash flow angle, but it can be detrimental to your credit score since it may appear as though that credit line is maxed out. A professional appraisal from PA Cunningham and Associates, LLC can help you reinstate your HELOC.

We Provide Field and Desktop Appraisal Review Services

Have you just been handed a copy of your appraisal and you would prefer to have a seasoned appraiser double-check it for precision or do you want a second opinion without the cost and delay of waiting for a whole new appraisal? An appraiser from PA Cunningham and Associates, LLC 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 a retrospective review of any appraisal report you may have had done before. While typically requested by banks, you may want to make use of this service if you suspect mortgage fraud related to your property.