Appraisals For Homeowners

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The top seven reasons (In no particular order) To Get A Real Estate Appraisal:

  1. Thinking of selling or buying and want to make an educated decision
  2. In the case of a divorce, when property needs to be divided
  3. Estate Settlement to determine the true market value of the real estate
  4. Challenge a property tax assessment (Tax Appeal Appraisal)
  5. Remove PMI to reduce their mortgage payments
  6. To review another appraiser’s report for verification
  7. To lower property insurance requirements (Replacement Cost Appraisal)

At Home Appraisals, Inc., we understand the individual 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 extra 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)
Since you have an emotional attachment to your own house, it’s often very hard to be objective about it. Professional appraisers, like the ones at Home Appraisals, Inc., are objective. We’ll 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 property will attract interested buyers, a professional appraisal is very important as a negotiating tool once you have a likely buyer. The appraisal is something tangible to show your buyer. The appraisal is an independent third party’s opinion of your property’s value, not just how much your house is worth. Interested buyers know you have an emotional attachment to your home and will be much more likely to give credibility to a qualified appraiser’s value opinion than yours.

Challenge Tax Assessment
If you live in a region that is going down or not appreciating as much as other houses close to yours, your local tax assessor may have your home overvalued. That only means you’re paying 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 off you’ll be. When challenging your property tax assessment, getting a professional appraisal from Home Appraisals, Inc. is your chief weapon.

Appraisals to remove PMI
A preferred way to cut expenses for homeowners is to get the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. PMI stands for “Private Mortgage Insurance”. Once your mortgage loan is down below 80% of the value of your home, in most cases you can apply to your lender to have the PMI eliminated from your loan, which will make your monthly payments go down. We are experts in helping clients just like you delete unwanted and unneeded PMI insurance.

Was your HELOC recently frozen?
If your property is close to a declining area, your lender may just choose to automatically freeze your home equity line of credit (HELOC) – even if your specific property has not declined in value. Not only can this be inopportune from a cash flow standpoint, but it can be destructive to your credit score since it may appear as though that credit line is maxed out. An appraisal from Home Appraisals, Inc. can help you reinstate your HELOC.

We Also Offer Field and Desktop Appraisal Review Services
Have you just been given a copy of your appraisal and you’d prefer to have a seasoned professional double-check it for accuracy or do you need 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 immediately, 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.

Do you need a retrospective review of an appraisal report? Home Appraisals, Inc. can help you with that. While typically requested by banks, you may desire to employ this service if you suspect mortgage fraud related to your home.

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