Real estate appraisal services for homeowners in the city of St George and Washington County

Check out the top 7 reasons why UT homeowners hire Tom Clymore, Appraiser:

  1. Pre-listing appraisals (whether you're using a real estate agent or selling the home on your own)
  2. To challenge a UT property tax assessment
  3. Remove PMI to lower a mortgage payments
  4. To reinstate your Home Equity Line of Credit (HELOC)
  5. To review a different appraiser's report for verification
  6. In the case of a UT divorce, where property needs to be divided
  7. Determine the true market value of property in question to settle an estate in Washington county or UT

Do you own a home in or near St George? Do you need help deciding the price of your real estate?
Contact Tom Clymore, Appraiser.

We at Tom Clymore, Appraiser understand the unique needs of a customer seeking appraisal services. Our business practices and reporting formats are relatively routine to our business clients like lenders, lawyers, and accountants. Being a consumer that most likely doesn't look at appraisals on a regular basis,we will give you extra guidance and explanations through the appraisal process to more fully understand what we do and how we present our findings.

For Sale By Owner (FSBO)/Pre-Listing Services

It's very hard to be objective about your home because you probably have an emotional attachment to it. The professional appraisers at Tom Clymore, Appraiser will tell you what you need to know -- not just what you want to hear. We are objective. A professional appraisal is a very important negotiating tool once you have an interested buyer, in addition to helping you set a realistic selling price so your house will attract many interested buyers. The appraisal is something concrete to show your buyer. It's an independent third party's opinion of your property's price, and not just how much your home is worth. Interested buyers assume that you have an emotional attachment to your home and will be much more likely to give credibility to an experienced appraiser's value opinion than yours.

PMI Removal Appraisals

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 less than 80% of the value of your home, in most cases you can apply to a lender to have the PMI eliminated from your loan, which will make your monthly payments go down. We are veterans in helping clients just like you get rid of unneeded PMI insurance.

Challenging Washington county's assessment of your property

Your local tax assessor may have your house overvalued if you live in a local area that is going down. That only means you're most likely paying more taxes than you should. The faster you take care of things like this, the better, since your property assessment may likely go up again in the next period. When contesting your property tax assessment, getting an appraisal report from Tom Clymore, Appraiser is your #1 weapon.

Was your HELOC recently frozen?

Even if your specific property has not declined in value, your lender may make the decision to automatically freeze your home equity line of credit (HELOC) if your home is in or near a declining area. This can be be detrimental to your credit score since it may appear as though that credit line is maxed out, and also difficult and inconvenient from a cash flow angle. Tom Clymore, Appraiser can help you reinstate your home equity line of credit with a professional appraisal.

We Also Offer Field and Desktop Appraisal Review Services

Would you like a second opinion without the charge and delay of waiting for a whole new appraisal? Or do you desire a professional to double-check your appraisal for efficiency? Tom Clymore, Appraiser offers field reviews where we go out and check the subject and comps. Or, if you need it ASAP, 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? Tom Clymore, Appraiser can help you with that. While usually requested by banks, you may desire to use this service if you suspect mortgage fraud related to your property.