Attention homeowners in Pocatello and Bannock County: Get an Appraisal today!

The top seven reasons ID homeowners use Houghton Appraisals:

  1. Get a pre-listing appraisal (whether you're using an agent or selling the home on your own)
  2. To challenge a ID property tax assessment
  3. Remove PMI to lower a mortgage payments
  4. To reinstate their Home Equity Line of Credit (or HELOC)
  5. Verify a different appraiser's report
  6. If real estate needs to be divided because of a divorce
  7. To settle an estate in Bannock county or ID by determining the true market value of real estate in question

Do you own a house in or near Pocatello? Do you need help deciding the value of your real estate?
Contact Houghton Appraisals.

At Houghton Appraisals, we understand the individual needs of a consumer in need of appraisal services. Our typical business clients get the appraisal process and the standard reporting formats. As our client, we'll be sure you get extra guidance and explanations through the appraisal process to understand what we do and how we present the results of our analysis.

For Sale By Owner/Pre-Listing Services

It's very hard to be objective about your own house because you most likely have an emotional attachment to 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 price to sell at so your property will attract many interested buyers, a professional appraisal is a very important negotiating tool once you have a potential buyer. It's something tangible to show the buyer. An appraisal is an independent third party's opinion of your home's value -- not just how much your home is worth. Potential buyers know that you have an emotional attachment to your home and will be much more likely to give credibility to an experienced appraiser's value judgement than yours.

Appraisals to cancel PMI

Getting the PMI (Private Mortgage Insurance) canceled from your mortgage loan is a preferred way to cut expenses for homeowners. Once your mortgage loan amount is down below 80% of the value of your home, in most cases you can apply to a lender to have the PMI canceled from your loan, which will make your monthly payments go down. We're experienced in helping customers just like you abolish undesirable PMI insurance.

Challenge Bannock county's assessment of your property

Your local tax assessor may have your home overvalued if you live in a local area that's going down or not appreciating as much as other properties nearby. That only means you are going to pay more taxes than you should. Since your property assessment may likely go up again in the next period, the sooner you take care of things like this, the better off you'll be. A professional appraisal from Houghton Appraisals is your best weapon when challenging your property tax assessment.

HELOC recently frozen?

Even if your specific property has not declined in value, your lender may choose to automatically freeze your home equity line of credit (HELOC) if your home is near a declining area. This can be be unfavorable to your credit score since it may appear as though that credit line is maxed out, and also inconvenient from a cash flow angle. Houghton Appraisals can help you reinstate your home equity line of credit with an expert appraisal.

Field and Desktop Appraisal Review Services

Have you just gotten a copy of your appraisal and you'd like to have a seasoned appraiser double-check it for efficiency or do you desire a second opinion without the added cost and delay of waiting for a whole new appraisal? In a field review we will go out and check the subject and comparables. 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.

Do you need a retrospective review of an appraisal? Houghton Appraisals can help with that too. While usually requested by banks, you may need to exercise this service if you suspect mortgage fraud related to your home.