Real estate appraisal services for homeowners in the city of Mendon and Cache County

The top 7 reasons UT homeowners use Douglas Coggins:

  1. To get a pre-listing appraisal (whether they're selling the home on their own or using an agent)
  2. Challenge Cache county's assessment of your propertyvalue
  3. To lower your monthly mortgage payment by removing PMI
  4. Reinstate your Home Equity Line of Credit (HELOC)
  5. Review another appraiser's report for verification
  6. If property needs to be divided because of a divorce
  7. To determine the true market value of property in question to settle an estate in Cache County or the state of UT

Need help deciding the value of your house in or near Mendon, UT?
Contact Douglas Coggins.

We at Douglas Coggins understand the particular needs of a consumer seeking appraisal services. The appraisal process and reporting formats are familiar to our business clients like lenders, attorneys, and accountants. As our valued client, you will receive extra guidance and explanations through the appraisal process to more clearly understand what we do and how we document the results of our analysis.

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

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. A professional appraisal is a very valuable negotiating tool once you have a potential buyer, in addition to helping you set a realistic selling price so your property will attract interested buyers. 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. Interested buyers know you have an emotional attachment to your home and will be far more likely to give credibility to an expert appraiser's value conclusion than yours.

Need to cancel PMI?

A preferred money saver for homeowners is to get the PMI eliminated 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 property, 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. Douglas Coggins is qualified in helping clients just like you remove unneeded PMI insurance.

Challenging a property tax assessment

Lets say you live in a local area that's declining -- your local tax assessor may have your house overvalued. This only means you are probably paying higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the earlier you take care of a matter like this, the better. A professional appraisal from Douglas Coggins is your number one weapon when challenging your property tax assessment.

HELOC recently frozen?

Your lender just might make the decision to automatically freeze your home equity line of credit (HELOC) if your house is near a declining area -- 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 annoying from a cash flow viewpoint. Douglas Coggins can provide you with efficient appraisal that will help you reinstate your home equity line of credit.

We Provide Field and Desktop Appraisal Review Services

Do you need a veteran appraiser to double-check your appraisal for verity, 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 question in a field review. If you need it in a rush, 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 done before. Even though this is usually requested by banks, you may want to exercise this service if you suspect mortgage fraud related to your house.