Attention homeowners in Muskogee and Muskogee County: Get an Appraisal today!

Here are the top seven reasons OK homeowners need Nicholas Cowan:

  1. To get a pre-listing appraisal (whether you're using a real estate agent or selling the home on your own)
  2. To challenge a OK property tax assessment
  3. To reduce a mortgage payment by removing PMI
  4. Reinstate your Home Equity Line of Credit (HELOC)
  5. Review a different appraiser's report for verification
  6. In the case of a OK divorce, where real estate needs to be divided
  7. Settle an estate in OK by determining the true market value of property in question

Need help determining the value of your home in or near Muskogee, OK?
Contact Nicholas Cowan.

We at Nicholas Cowan understand the individual needs of a consumer seeking 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/Pre-Listing Services

Since you have an emotional attachment to your house, it's often very hard to be objective about it. Professional appraisers, like the ones at Nicholas Cowan, will be objective. We 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 home will attract many interested buyers, a professional appraisal is a crucial negotiating tool once you have an attainable buyer. It gives you something tangible to show the buyer. The appraisal is an independent third party's opinion of your house's price, not just how much you think your house is worth. Interested buyers assume you have an emotional attachment to your house and will be far more likely to give credibility to an accomplished appraiser's value conclusion than yours.

Appraisals to cancel PMI

Getting the PMI (Private Mortgage Insurance) eliminated from your mortgage loan is a fashionable money saver for homeowners. Your monthly payments will go down once your mortgage loan is below 80% of the value of your house. In most cases you can apply to your lender to have the PMI removed from your loan. We are seasoned in helping homeowners just like you do away with undesirable PMI insurance.

Challenging Muskogee county's assessment of your property

Lets say you live in an area that's going down -- your local tax assessor may have your house overvalued. This means you are paying 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. When challenging your property tax assessment, getting an appraisal from Nicholas Cowan is your chief weapon.

HELOC recently frozen?

If your house is in a declining area, your lender might just decide to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can be be harmful to your credit score since it may appear as though that credit line is maxed out, and also disadvantageous from a cash flow point of view. Nicholas Cowan can provide you with an expert appraisal that will help you reinstate your home equity line of credit.

We Offer Field and Desktop Appraisal Review Services

Have you just gotten a copy of your appraisal and you would like to have an expert double-check it for accuracy or do you want a second opinion without the charge 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 in a rush, we can provide you with a desk review and verify as many facts as we can using online data sources as well as our own files.

We can also provide a retrospective review of any appraisal you may have had in the past. Even though this is usually requested by banks, you may want to employ this service if you suspect mortgage fraud related to your house.