Attention homeowners: Real estate appraisal services for in Tahlequah and Cherokee County

The top 7 reasons why OK homeowners use Bank of Cherokee County:

  1. To get a pre-listing appraisal (whether you're using an agent or selling the home on your own)
  2. Challenge a property tax assessment
  3. Remove PMI to reduce their mortgage payments
  4. Reinstate their Home Equity Line of Credit (HELOC)
  5. To review another appraiser's report for verification
  6. If property needs to be divided because of a divorce
  7. Settle an estate in OK by determining the true market value of property in question

Do you own a home in or near Tahlequah? Do you need help deciding the value of your real estate?
Contact Bank of Cherokee County.

We at Bank of Cherokee County understand the individual needs of a homeowner looking for appraisal services. While our usual 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)

It's very hard to be objective about your own home because of your emotional attachment to it. The professional appraisers at Bank of Cherokee County 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 house will attract many interested buyers, a professional appraisal is a very valuable negotiating tool once you have a potential buyer. It's something tangible to show your buyer. An appraisal is an independent third party's opinion of your property's value -- not just you saying how much you think your home is worth. Interested buyers assume that 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.

PMI Removal Appraisals

An attractive way to save money for homeowners is getting the PMI removed 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 house, in most cases you can apply to the lender to have the PMI canceled from your loan, which will make your monthly payments go down. At Bank of Cherokee County, we're experts in helping folks just like you delete unneeded and unwanted PMI insurance.

Challenging a property tax assessment

Your local tax assessor may have your home overvalued if you live in a local area that's going down. This means you are paying higher taxes than you should be paying. The earlier you take care of things like this, the better off you'll be, since your property assessment may likely go up again in the next period. Getting a professional appraisal from Bank of Cherokee County is your number one weapon when contesting your property tax assessment.

HELOC recently frozen?

Your lender just might decide to automatically freeze your home equity line of credit (HELOC) if your property is in a declining area -- even if your specific property has not declined in value. This can this be annoying from a cash flow standpoint, and bad for your credit score since it may appear as though that credit line is maxed out. An efficient appraisal from Bank of Cherokee County can help you reinstate your HELOC.

Do You Need Field and Desktop Appraisal Review Services?

Have you just been handed a copy of your appraisal and you'd wish to have a veteran appraiser double-check it for verity or do you want a second opinion without the added cost and delay of waiting for a whole new appraisal? An appraiser from Bank of Cherokee County can go out and check the subject and comparables in question in a field review. Or, if you're in a rush, we can 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? Bank of Cherokee County can We can assist you. Even though this is typically requested by banks, you may want to employ this service if you suspect mortgage fraud related to your property.