Attention homeowners: Real estate appraisal services for in Spokane County

Check out the top seven reasons why Washington homeowners order from Hearthstone Appraisal:

  1. Find the right listing price (whether they're selling the home on their own or using a real estate agent)
  2. Challenge a property tax assessment
  3. To reduce a mortgage payments by removing PMI
  4. To reinstate their Home Equity Line of Credit (or HELOC)
  5. Verify a different appraiser's report
  6. If real estate property needs to be divided because of a divorce
  7. To determine the true market value of a property to settle an estate
Own a home in or near Spokane, Washington and need help deciding the value of it? Contact Hearthstone Appraisal.


We at Hearthstone Appraisal understand the individual needs of a customer in need of appraisal services. Our business practices and reporting formats are familiar to our business clients like banks, attorneys, and accountants. As our client, you can expect extra guidance and explanations through the appraisal process to understand what we do and how we report our conclusions.

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

It's very hard to be objective about your home because you probably have an emotional attachment to it. Our professional appraisers at  Mobile Appraisal & Training Institute 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 crucial negotiating tool once you have a likely buyer, in addition to helping you set a realistic selling price so your house will attract interested buyers. It's something tangible to show your buyer. An appraisal is an independent third party's opinion of your house's value -- not just you saying how much your house is worth. Interested buyers know you have an emotional attachment to your house and will be more likely to give credibility to a qualified appraiser's value opinion than yours.


Challenging property tax assessments

If you live in an area that is declining or is not appreciating as much as other homes nearby, your local tax assessor may have your home 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 sooner you take care of things like this, the better off you'll be. Getting an expert appraisal from Hearthstone Appraisal is your best weapon when contesting your property tax assessment.


Appraisals to remove PMI

PMI stands for Private Mortgage Insurance. An attractive way to cut expenses for homeowners is to get 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 house, in most cases you can apply to the lender to have the PMI canceled from your loan, which will make your monthly payments go down. At  Mobile Appraisal & Training Institute , we're experienced in helping customers just like you delete unwanted PMI insurance.

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 house is near a declining area. Not only can this be troublesome from a cash flow point of view, but it can be unfavorable to your credit score since it may appear as though that credit line is maxed out. Mobile Appraisal & Training Institute can help you reinstate your home equity line of credit with an expert appraisal.


Need Field and Desktop Appraisal Review Services?

Do you need a seasoned professional to double-check your appraisal for accuracy, or do you desire a second opinion without the charge and delay of waiting for a whole new appraisal? In a field review we'll go out and check the subject and comps. 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 a retrospective review of any appraisal report you may have had done before. While typically requested by banks, you may wish to utilize this service if you suspect mortgage fraud related to your home.