Attention homeowners in Lebanon and Linn County: Get an Appraisal today!

The top reasons OR homeowners hire Vandiver Appraisal LLC:

  1. Get a pre-listing appraisal (whether they're selling the home themselves or using a real estate agent)
  2. Challenge Linn county's assessment of your propertyvalue
  3. Remove PMI to cut your mortgage payment
  4. To reinstate their Home Equity Line of Credit (HELOC)
  5. To review another appraiser's report for verification
  6. In the case of a OR divorce, where property needs to be divided
  7. Settle an estate in OR by determining the true market value of real estate in question

Need help deciding the value of your home in or near Lebanon, OR?
Contact Vandiver Appraisal LLC.

At Vandiver Appraisal LLC, we understand the individual needs of a consumer looking for appraisal services. While our usual business clients understand the appraisal process and standard reporting formats, you as a consumer will get extra service in the form of an explanation of the process and even special consumer-friendly reporting forms if the assignment allows for them.

Pre-listing Services/For Sale By Owner

It's very hard to be objective about your house because of your emotional attachment to it. The professional appraisers at Vandiver Appraisal LLC 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 a potential buyer, in addition to helping you set a realistic price to sell at so your house will attract interested buyers. It's something tangible to show the buyer. An appraisal is an independent third party's opinion of your house's price -- not just how much your house is worth. Interested buyers know that 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.

Appraisals to cancel PMI

PMI stands for Private Mortgage Insurance. An attractive way to cut expenses for homeowners is to get the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan amount is below 80% of the value of your home, in most cases you can apply to your lender to have the PMI canceled from your loan, which will make your monthly payments go down. Vandiver Appraisal LLC is seasoned in helping people just like you rid themselves of undesirable PMI insurance.

Challenging a property tax assessment

If you live in a local area that is declining or is not appreciating as much as other properties close to yours, your local tax assessor may have your house overvalued. That only means you're most likely paying more taxes than you should. The earlier you take care of a matter like this, the better off you'll be, since your property assessment may likely go up again in the next period. An expert appraisal from Vandiver Appraisal LLC is your best weapon when challenging your property tax assessment.

Recently got a freeze your HELOC?

If your home is near a declining area, your lender might just choose to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can be be damaging to your credit score since it may appear as though that credit line is maxed out, and also inconvenient from a cash flow viewpoint. Vandiver Appraisal LLC can help you reinstate your HELOC.

Do You Need Field and Desktop Appraisal Review Services?

Do you need a seasoned appraiser to double-check your appraisal for efficiency, or do you desire a second opinion without the added cost and delay of waiting for a whole new appraisal? Vandiver Appraisal LLC offers field reviews where we go out and check the subject and comps. 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 you may have had done before. Even though this is usually requested by banks, you may need to take advantage of this service if you suspect mortgage fraud related to your home.