Attention homeowners: Real estate appraisal services for in Smackover and Union County

See the top 7 reasons AR homeowners hire Smackover State Bank:

To get a pre-listing appraisal (whether they're selling the home themselves or using a real estate agent)
Challenge Union county's assessment of your property
To reduce your mortgage payment by removing PMI
Reinstate their Home Equity Line of Credit (or HELOC)
To review another appraiser's report for verification
In the case of a AR divorce, when real estate property needs to be divided
To settle an estate in AR by determining the true market value of real estate in question

Own a house in or near Smackover, AR and need help deciding the price of it?
Contact Smackover State Bank.

We at Smackover State Bank understand the particular needs of a homeowner after appraisal services. While our usual clients understand the appraisal process and standard reporting formats, you as a consumer will get extra 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

Since you have an emotional attachment to your own home, it's often very hard to be objective about it. The professional appraisers at Smackover State Bank will tell you what you need to know -- not just what you want to hear. We are objective. In addition to helping you set a realistic price to sell at so your property will attract buyers, a professional appraisal is a very important negotiating tool once you have an interested buyer. It's something tangible to show your buyer. It's an independent third party's opinion of your house's price, and not just you saying how much you think your home is worth. Interested buyers know you have an emotional attachment to your house and will be far more likely to give credibility to a qualified appraiser's value report than yours.

Need to remove PMI?

PMI stands for Private Mortgage Insurance. A fashionable way to save money for homeowners is to get the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan amount is less than 80% of the value of your property, 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. Smackover State Bank is veterans in helping people just like you abolish unneeded PMI insurance.

Challenging Union county's assessment of your property

Your local tax assessor may have your home overvalued if you live in a region that's going down. That means you're most likely paying more taxes than you should. The earlier you take care of things like this, the better, since your property assessment may likely go up again in the next period. A professional appraisal from Smackover State Bank is your number one weapon when challenging your property tax assessment.

HELOC recently frozen?

Even if your specific property has not declined in value, your lender just may choose to automatically freeze your home equity line of credit (HELOC) if your home is close to a declining area. This can this be troublesome from a cash flow angle, and damaging to your credit score since it may appear as though that credit line is maxed out. Smackover State Bank can help you reinstate your HELOC.

Field and Desktop Appraisal Review Services

Have you just been handed a copy of your appraisal and you would like to have a veteran appraiser double-check it for accuracy or do you desire a second opinion without the added expense and delay of waiting for a whole new appraisal? In a field review we'll go out and check the subject and comparables in question. 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.

Do you need a retrospective review of an appraisal report? Smackover State Bank can help with that too. While usually requested by banks, you may wish to use this service if you suspect mortgage fraud related to your property.