Attention homeowners: Real estate appraisal services for in Sisters and Deschutes County

The top 7 reasons why OR homeowners order from ORACLE APPRAISALS:

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

Need help determining the price of your home in or near Sisters, OR?
Contact ORACLE APPRAISALS.

At ORACLE APPRAISALS, we understand the unique needs of a customer after appraisal services. While our usual business clients understand the appraisal process and standard reporting formats, you as a consumer will get extra 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 (FSBO) / Pre-Listing Services

Since you have an emotional attachment to your home, 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. In addition to helping you set a realistic selling price so your property will attract buyers, a professional appraisal is a very important negotiating tool once you have a potential buyer. The appraisal is something concrete to show the buyer. It's an independent third party's opinion of your property's value, and not just you saying how much you think your house is worth. Potential buyers assume that you have an emotional attachment to your house and will be more likely to give credibility to an expert appraiser's value judgement than yours.

Need to cancel PMI?

PMI stands for Private Mortgage Insurance. A preferred way to save money for homeowners is getting the PMI removed from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan amount is below 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. We're experienced in helping clients just like you do away with unnecessary PMI insurance.

Challenge Deschutes county's assessment of your property

Lets say you live in an area that is declining -- your local tax assessor may have your home overvalued. This means you are paying higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the sooner you take care of a matter like this, the better off you'll be. When challenging your property tax assessment, getting an expert appraisal from ORACLE APPRAISALS is your number one weapon.

Was your HELOC recently frozen?

Your lender might just decide to automatically freeze your home equity line of credit (HELOC) if your house is in or near a declining area -- even if your specific property has not declined in value. Not only can this be difficult from a cash flow standpoint, but it can be negative on your credit score since it may appear as though that credit line is maxed out. ORACLE APPRAISALS can provide you with efficient appraisal that will help you reinstate your home equity line of credit.

We Also Offer Field and Desktop Appraisal Review Services

Do you need a professional to double-check your appraisal for preciseness, or do you desire a second opinion without the added expense and delay of waiting for a whole new appraisal? We can go out and check the subject and comps in question in a field review. Or, if you need it immediately, we can 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 done before. While typically requested by banks, you may desire to exploit this service if you suspect mortgage fraud related to your property.