Real estate appraisal services for homeowners in the city of Portland and Multnomah County

The top reasons OR homeowners order from Neville + Mercado Associates:

  1. To get a pre-listing appraisal (whether you're using an agent or selling the home on your own)
  2. Challenge Multnomah county's assessment of your property
  3. To lower a monthly mortgage payment by removing PMI
  4. To reinstate your Home Equity Line of Credit (or HELOC)
  5. To review another appraiser's report for verification
  6. If real estate property needs to be divided because of a divorce
  7. To settle an estate in Multnomah county or OR by determining the true market value of real estate in question

Own a home in or near Portland, OR and need help determining the price of it?
Contact Neville + Mercado Associates.

We at Neville + Mercado Associates understand the unique needs of a homeowner 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.

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

It's very hard to be objective about your home because of your emotional attachment to it. The professional appraisers at Neville + Mercado Associates will tell you what you need to know -- not just what you want to hear. We are objective. In addition to helping you set a realistic selling price so your home will attract buyers, a professional appraisal is very valuable as a negotiating tool once you have an attainable buyer. It gives you something tangible to show your buyer. The appraisal is an independent third party's opinion of your house's price, not just how much you think your home is worth. Interested buyers know that you have an emotional attachment to your house and will be much more likely to give credibility to a seasoned appraiser's value opinion than yours.

Appraisals to cancel PMI

PMI stands for Private Mortgage Insurance. An attractive money saver for homeowners is getting the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan is less than 80% of the value of your property, in most cases you can apply to a lender to have the PMI removed from your loan, which will make your monthly payments go down. At Neville + Mercado Associates, we're experienced in helping customers just like you rid themselves of unnecessary PMI insurance.

Challenging a property tax assessment

Your local tax assessor may have your home overvalued if you live in an area that is declining. That means you're 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. An expert appraisal from Neville + Mercado Associates is your perfect weapon when challenging your property tax assessment.

HELOC recently frozen?

Your lender might choose to automatically freeze your home equity line of credit (HELOC) if your property is close to a declining area -- even if your specific property has not declined in value. This can this be unsuitable from a cash flow standpoint, and damaging to your credit score since it may appear as though that credit line is maxed out. Neville + Mercado Associates can help you reinstate your home equity line of credit with an expert appraisal.

Need Field and Desktop Appraisal Review Services?

Would you like a second opinion without the added cost and delay of waiting for a whole new appraisal? Or do you need a seasoned professional to double-check your appraisal for accuracy? Neville + Mercado Associates offers field reviews where we go out and check the subject and comps in question. If you need it ASAP, 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.

Need a retrospective review of an appraisal? We can We can assist you Even though this is typically requested by banks, you may need to use this service if you suspect mortgage fraud related to your house.