Appraisal services for Lees Summit and Jackson County homeowners

Here are the top seven reasons why MO homeowners use Gary Phillips:

  1. Get a pre-listing appraisal (whether they're selling the home on their own or using a real estate agent)
  2. To challenge a MO property tax assessment
  3. To cut your monthly mortgage payment by removing PMI
  4. To reinstate their Home Equity Line of Credit (HELOC)
  5. To review a different appraiser's report for verification
  6. If real estate needs to be divided because of a divorce
  7. Settle an estate in MO by determining the true market value of property in question

Own a house in or near Lees Summit, MO and need help deciding the price of it?
Contact Gary Phillips.

At Gary Phillips, we understand the special needs of a customer after appraisal services. Our business practices and reporting formats are relatively routine to our business clients like banks, attorneys, and CPAs. As our valued client, we will provide you with extra guidance and explanations through the appraisal process to better understand what we do and how we report our conclusions.

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

It's very hard to be objective about your own house because of your emotional attachment to it. A professional appraiser is objective and will tell you what you need to know, not just what you want to hear. 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 house will attract many interested buyers. It's something concrete to show the buyer. An appraisal is an independent third party's opinion of your home's value -- not just how much you think your house is worth. Interested buyers assume you have an emotional attachment to your house and will be much more likely to give credibility to a seasoned appraiser's value judgement than yours.

Need to cancel PMI?

Getting the PMI (Private Mortgage Insurance) eliminated from your mortgage loan is a fashionable money saver for homeowners. Once your mortgage loan is down below 80% of the value of your property, in most cases you can apply to the lender to have the PMI removed from your loan, which will make your monthly payments go down. At Gary Phillips, we're veterans in helping consumers just like you rid yourselves of unwanted PMI insurance.

Challenge Tax Assessment

Lets say you live in a region that is declining -- your local tax assessor may have your house overvalued. This only means you're going to pay higher taxes than you should be paying. The earlier you take care of things like this, the better, since your property assessment may likely go up again in the next period. When challenging your property tax assessment, getting a professional appraisal from Gary Phillips is your number one weapon.

Was your HELOC recently frozen?

If your home is close to a declining area, your lender just may decide to automatically freeze your home equity line of credit (HELOC) - 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. Gary Phillips can help you reinstate your HELOC.

Field and Desktop Appraisal Review Services

Do you need a veteran appraiser to double-check your appraisal 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 comparables 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.

Do you need a retrospective review of an appraisal report? Gary Phillips can help you with that. While typically requested by banks, you may want to use this service if you suspect mortgage fraud related to your property.