Attention homeowners in Oshkosh and Winnebago County: Get an Appraisal today!

Check out the top 7 reasons why WI homeowners hire Spot-On Appraisal, LLC:

  1. Pre-listing appraisals (whether you're using a real estate agent or selling the home on your own)
  2. Challenge property tax assessments
  3. Remove PMI to lower their mortgage payments
  4. Reinstate your Home Equity Line of Credit (or HELOC)
  5. Verify another appraiser's report
  6. In the case of a WI divorce, where real estate needs to be divided
  7. Determine the true market value of property in question to settle an estate in Winnebago county or WI

Need help deciding the value of your house in or near Oshkosh, WI?
Contact Spot-On Appraisal, LLC.

At Spot-On Appraisal, LLC, we understand the particular needs of a customer in need of appraisal services. While our typical clients understand the appraisal process and standard reporting formats, you as a consumer will get an extra level of customer 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 (FSBO)

Since you have an emotional attachment to your own house, it's often very hard to be objective about it. Our professional appraisers at Spot-On Appraisal, LLC are objective. We won't just tell you what you want to hear, we'll tell you what you need to know. In addition to helping you set a realistic price to sell at so your house will attract interested buyers, a professional appraisal is very important as a negotiating tool once you have a likely buyer. It's something tangible to show the buyer. It's an independent third party's opinion of your home's price, and not just how much your home is worth. Potential buyers know you have an emotional attachment to your home and will be far more likely to give credibility to an experienced appraiser's value assessment than yours.

Need to cancel PMI?

Getting the PMI (Private Mortgage Insurance) eliminated from your mortgage loan is an attractive way to cut costs for homeowners. Once your mortgage loan is below 80% of the value of your home, in most cases you can apply to a lender to have the PMI removed from your loan, which will make your monthly payments go down. We are experts in helping people just like you do away with unneeded and unwanted PMI insurance.

Challenging a property tax assessment

Lets say your house is not appreciating as much as other houses close by -- your local tax assessor may have your home overvalued. That only means you are probably paying more taxes than you should. The sooner you take care of things like this, the better, since your property assessment may likely go up again in the next period. An appraisal from Spot-On Appraisal, LLC is your #1 weapon when contesting your property tax assessment.

Was your HELOC recently frozen?

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 property is in or near a declining area. Not only can this be troublesome from a cash flow point of view, but it can be detrimental to your credit score since it may appear as though that credit line is maxed out. Spot-On Appraisal, LLC can help you reinstate your HELOC.

We Also Provide Field and Desktop Appraisal Review Services

Do you need a professional to double-check your appraisal for precision, or do you need a second opinion without the cost and delay of waiting for a whole new appraisal? Spot-On Appraisal, LLC offers field reviews where we'll go out and check the subject and comparables in question. If you're in a hurry, 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 you may have had in the past. While typically requested by banks, you may want to take advantage of this service if you suspect mortgage fraud related to your property.