Appraisal services for Bono and Craighead County homeowners

The top reasons AR homeowners call on Michael Cerrato:

Pre-listing appraisals (whether they're selling the home themselves or using an agent)
To challenge a AR property tax assessment
Remove PMI to reduce a mortgage payments
Reinstate your Home Equity Line of Credit (or HELOC)
Verify another appraiser's report
In the case of a AR divorce, when real estate needs to be divided
To determine the true market value of real estate in question to settle an estate

Own a house in or near Bono, AR and need help determining the value of it?
Contact Michael Cerrato.

At Michael Cerrato, we understand the unique needs of a customer 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.

For Sale By Owner/Pre-Listing Services

Since you have an emotional attachment to your home, it's often very hard to be objective about it. Professional appraisers, like the ones at Michael Cerrato, will be objective. We will tell you what you need to know, not just what you want to hear. In addition to helping you set a realistic selling price so your property will attract many interested buyers, a professional appraisal is very valuable as a negotiating tool once you have a potential buyer. The appraisal is something concrete to show your buyer. An appraisal is an independent third party's opinion of your house's price -- not just how much you think your home 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 qualified appraiser's value report than yours.

PMI Removal Appraisals

PMI stands for Private Mortgage Insurance. A popular way to save money for homeowners is getting the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. Your monthly payments will go down once your mortgage loan amount is down below 80% of the value of your property. In most cases you can apply to a lender to have the PMI eliminated from your loan. We're qualified in helping folks just like you delete unwanted PMI insurance.

Challenging Craighead county's assessment of your property

Your local tax assessor may have your house overvalued if you live in an area that is going down or not appreciating as much as other properties close by. That only means you're probably paying more taxes than you should. The sooner 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. When challenging your property tax assessment, getting an appraisal from Michael Cerrato is your #1 weapon.

Recently got a freeze your HELOC?

If your home is near a declining area, your lender just might decide to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. Not only can this be annoying from a cash flow point of view, but it can be bad for your credit score since it may appear as though that credit line is maxed out. Michael Cerrato can help you reinstate your HELOC.

Need Field and Desktop Appraisal Review Services?

Would you wish a second opinion without the expense and delay of waiting for a whole new appraisal? Or do you desire an expert to double-check your appraisal for verity? Michael Cerrato offers field reviews where we go out and check the subject and comparables in question. If you're 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 in the past. While usually requested by banks, you may want to exploit this service if you suspect mortgage fraud related to your property.