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Verified Reviews for Property Appraisal pros in Cowley, WY

*The Angi rating for Property Appraisal companies in Cowley, WY is a rating based on verified reviews from our community of homeowners who have used these pros to meet their Property Appraisal needs.

*The HomeAdvisor rating for Property Appraisal companies in Cowley, WY is a rating based on verified reviews from our community of homeowners who have used these pros to meet their Property Appraisal needs.

Last update on December 10, 2025

Find Property appraisers in Cowley

Thomas Appraising

4.25(
4
)

Thomas Appraising

4.25(
4
)
Customers say: Super punctual
Recommended by 100% of Angi customers
Recommended by 100% of HomeAdvisor customers

I can appraise anything that moves or can be moved. I can travel short or long distances, I have never been 2nd guessed or questioned on an appraisal. I have been doing appraisals for 12yrs. I can appraise at you location or I have done them at auctions or at business locations. Everyone that has purchased my services have been very satisfied and have told friends and neighbors about me. I do time wise appraisals but thorough, prices for appraisals is based on item or items to be appraised I am very efficient and thorough. I ask for a small % up front (good faith money by the client) and the rest when appraisal is complete and the client is satisfied with the results or payments can be worked out before appraisal is started as agreed to by both parties. I am available 24/7 by cell or landline phone or e-mail.

I can appraise anything that moves or can be moved. I can travel short or long distances, I have never been 2nd guessed or questioned on an appraisal. I have been doing appraisals for 12yrs. I can appraise at you location or I have done them at auctions or at business locations. Everyone that has purchased my services have been very satisfied and have told friends and neighbors about me. I do time wise appraisals but thorough, prices for appraisals is based on item or items to be appraised I am very efficient and thorough. I ask for a small % up front (good faith money by the client) and the rest when appraisal is complete and the client is satisfied with the results or payments can be worked out before appraisal is started as agreed to by both parties. I am available 24/7 by cell or landline phone or e-mail.

Property Appraiser questions, answered by experts

While there’s technically no limit to the dollar amount you can borrow for a home addition, the standard limit is around 80% of the value the addition is expected to add to your home. That means you could feasibly borrow up to $80,000 if an appraiser determines that the addition or bump out will add $100,000 in value to your property. You might also be limited by your debt-to-income ratio or credit score.

Both conventional loans and FHA loans are types of mortgages, but they have a few key differences. Conventional loans are backed by private lenders without any government backing, and FHA loans are guaranteed by a government agency. FHA loans are designed to be easier for borrowers with low credit scores or income to qualify for.

As a seller, it might feel tempting to skip the appraisal, especially in a hot market that sees a lot of all-cash offers. While you can technically forgo it and hope for an all-cash offer, you’ll likely have a very tough time selling without an appraisal. 

In addition to protecting lenders from risk, appraisals also protect buyers’ investments. As such, it isn’t typically recommended for buyers to skip appraisals.

An FHA appraisal is valid for 180 days from the effective date of the report. In some cases, you can have the appraisal recertified if you make your request before the original expires so that you still may obtain an FHA loan. If approved, your appraisal update is valid for one year.

Some appraisers hold a Member of the Appraisal Institute designation. This accolade is the highest credential property appraisers can earn. An MAI appraisal is typically used for commercial properties.

While your lender will likely recommend an appraiser, you can also hire a professional home appraiser on your own. Choose someone who is experienced in your type of residential property, and ensure they hold all of the necessary credentials that your state or region requires.

The Cowley, WY homeowners’ guide to property appraisals

From average costs to expert advice, get all the answers you need to get your job done.

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