Attention homeowners in Bend and Deschutes County: Need an appraisal?

The top 7 reasons Oregon homeowners call on Schluter Appraisal:

To get a pre-listing appraisal (whether you're using a real estate agent or selling the home on your own)
Challenge a property tax assessment
To reduce their mortgage payments by removing PMI
Reinstate their Home Equity Line of Credit (or HELOC)
Review a different appraiser's report for verification
In the case of a divorce in the state of Oregon, when real estate property needs to be divided
To settle an estate in Deschutes county or Oregon by determining the true market value of the real estate in question


	Do you own a home in or near Bend? Do you need help determining the price of your real estate? Contact Schluter Appraisal.

At Schluter Appraisal, we understand the individual needs of a consumer in need of appraisal services. The appraisal process and reporting formats are familiar to our business clients like banks, attorneys, and CPAs. Being a person not in the real estate field that probably doesn't look at appraisals every day, we will provide you with extra guidance and explanations through the appraisal process to understand what we do and how we document the results of our analysis.

Pre-listing Services/For Sale by Owner

It's very hard to be objective about your home because you probably have an emotional attachment to it. Our professional appraisers at Schluter Appraisal are objective. We won't just tell you what you want to hear, we will tell you what you need to know. A professional appraisal is a very important negotiating tool once you have a potential buyer, in addition to helping you set a realistic selling price so your property will attract many interested buyers. It's something tangible to show your buyer. It's an independent third party's opinion of your house's value, and not just you saying how much your house is worth. Potential buyers know that you have an emotional attachment to your house and will be more likely to give credibility to a qualified appraiser's value judgement than yours.

Challenging Deschutes County's assessment of your property

Your local tax assessor may have your house overvalued if you live in a local area that's going down. This means you are most likely paying higher taxes than you should be paying. The earlier you take care of a matter like this, the better off you'll be, since your property assessment may likely go up again in the next period. An appraisal report from Schluter Appraisal is your number one weapon when challenging your property tax assessment.

PMI Removal Appraisals

A popular way to cut costs for homeowners is to get the PMI removed from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Your monthly payments will go down once your mortgage loan amount is down below 80% of the value of your house. In most cases you can apply to your lender to have the PMI canceled from your loan. We're seasoned in helping folks just like you rid themselves of unwanted and unneeded PMI insurance.

Was your HELOC recently frozen?

If your home is close to a declining area, your lender just may choose to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can be disadvantageous from a cash flow point of view, and damaging to your credit score since it may appear as though that credit line is maxed out. Schluter Appraisal can provide you with efficient appraisal to help you reinstate your home equity line of credit.

Need Field and Desktop Appraisal Review Services?

Do you need a veteran appraiser to double-check your appraisal for efficiency, or do you need a second opinion without the expense and delay of waiting for a whole new appraisal? In a field review we'll go out and check the subject and comps in question. If you're in a hurry, we'll 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 retrospective review of any appraisal report you may have had done before. While typically requested by banks, you may want to use this service if you suspect mortgage fraud related to your property.