Real estate appraisal services for homeowners in the city of Sand Springs and Tulsa County

Here are the top seven reasons OK homeowners hire Todd Paden:

  1. Pre-listing appraisals (whether they're selling the home themselves or using a real estate agent)
  2. Challenge a property tax assessment
  3. To reduce a monthly mortgage payment by removing PMI
  4. To reinstate your Home Equity Line of Credit (or HELOC)
  5. Review another appraiser's report for verification
  6. In the case of a OK divorce, where real estate property needs to be divided
  7. Settle an estate in OK by determining the true market value of real estate in question

Need help deciding the price of your house in or near Sand Springs, OK?
Contact Todd Paden.

We at Todd Paden understand the special needs of a consumer seeking appraisal services. While our usual business clients understand the appraisal process and standard reporting formats, you as a consumer will get an extra level of 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

It's very hard to be objective about your own home because of your 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 selling price so your home will attract many interested buyers, a professional appraisal is a very important negotiating tool once you have an attainable buyer. It's something tangible to show your buyer. The appraisal is an independent third party's opinion of your property's value, not just you saying how much your house is worth. Interested buyers know that you have an emotional attachment to your home and will be much more likely to give credibility to a professional appraiser's value conclusion than yours.

Need to cancel PMI?

A popular way to save money for homeowners is to get the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Once your mortgage loan amount is 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 are seasoned in helping clients just like you abolish unneeded PMI insurance.

Challenge a property tax assessment

Lets say you live in an area that's declining -- your local tax assessor may have your home overvalued. That only means you're probably paying more taxes than you should. 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. Getting a professional appraisal from Todd Paden is your #1 weapon when challenging your property tax assessment.

Recently got a freeze your HELOC?

If your house is near a declining area, your lender may make the decision 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 viewpoint, but it can be detrimental to your credit score since it may appear as though that credit line is maxed out. Todd Paden can provide you with efficient appraisal to help you reinstate your home equity line of credit.

Do You Need Field and Desktop Appraisal Review Services?

Have you just been given a copy of your appraisal and you'd like to have a seasoned professional double-check it for efficiency or do you want a second opinion without the cost and delay of waiting for a whole new appraisal? An appraiser from Todd Paden can go out and check the subject and comparables in question in a field review. If you're in a hurry, 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.

Do you need a retrospective review of an appraisal? Todd Paden can help you with that. While usually requested by banks, you may wish to employ this service if you suspect mortgage fraud related to your house.