Appraisal services for Springfield and Christian County homeowners

Check out the top 7 reasons MO homeowners hire Provision Appraisals:

Pre-listing appraisals (whether you're using an agent or selling the home on your own)
To challenge a MO 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 MO divorce, when property needs to be divided
To determine the true market value of property in question to settle an estate in Christian county or MO

Need help deciding the price of your house in or near Springfield, MO?
Contact Provision Appraisals.

We at Provision Appraisals understand the special needs of a homeowner in need of 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 (FSBO) / Pre-Listing Services

It's very hard to be objective about your home because you most likely have an emotional attachment to it. Our professional appraisers at Provision Appraisals 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 crucial as a negotiating tool once you have an interested buyer. The appraisal is something concrete to show the buyer. The appraisal is an independent third party's opinion of your house's price, not just how much your house is worth. Potential buyers assume you have an emotional attachment to your home and will be far more likely to give credibility to an expert appraiser's value estimation than yours.

Need to remove PMI?

A fashionable money saver for homeowners is to get the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Once your mortgage loan is down below 80% of the value of your property, in most cases you can apply to the lender to have the PMI removed from your loan, which will make your monthly payments go down. Provision Appraisals is veterans in helping clients just like you do away with unwanted and unneeded PMI insurance.

Challenging property tax assessments

Your local tax assessor may have your house overvalued if your house is not appreciating as much as other properties close to yours. This only means you are going to pay higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the faster you take care of a matter like this, the better off you'll be. Getting an expert appraisal from Provision Appraisals is your #1 weapon when contesting your property tax assessment.

Recently got a freeze your HELOC?

If your home is in or near a declining area, your lender just might choose 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 inopportune from a cash flow angle, but it can be negative on your credit score since it may appear as though that credit line is maxed out. An efficient appraisal from Provision Appraisals can help you reinstate your HELOC.

Need Field and Desktop Appraisal Review Services?

Do you need a seasoned professional to double-check your appraisal for accuracy, or do you want a second opinion without the added expense and delay of waiting for a whole new appraisal? Provision Appraisals offers field reviews where we go out and check the subject and comparables. If you need it immediately, we'll provide desk review and verify as many facts as we can using online data sources as well as our own files.

Need a retrospective review of an appraisal report? We can help you with that While usually requested by banks, you may need to utilize this service if you suspect mortgage fraud related to your house.