Real estate appraisal services for homeowners in the city of Branford and New Haven County
The top 7 reasons why CT homeowners use P C Appraisal Services:
Do you own a home in or near Branford? Do you need help determining the value of your real estate?
At P C Appraisal Services, we understand the individual needs of a customer in need of appraisal services. Our typical business clients get the appraisal process and the standard documents we provide. But as a consumer,you will receive extra guidance and explanations through the appraisal process to more fully understand what we do and how we present our conclusions.
For-Sale-By-Owner (FSBO) / Pre-Listing Services
It's very hard to be objective about your own house because of your emotional attachment to it. Professional appraisers, like the ones at P C Appraisal Services, are 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 selling price so your home will attract interested buyers, a professional appraisal is very crucial as a negotiating tool once you have a likely buyer. It's something tangible to show your buyer. The appraisal is an independent third party's opinion of your house's price, not just you saying how much your home is worth. Potential buyers know you have an emotional attachment to your house and will be much more likely to give credibility to an experienced appraiser's value conclusion than yours.
Need to remove PMI?
An attractive way to save money for homeowners is getting the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Once your mortgage loan is below 80% of the value of your home, in most cases you can apply to the lender to have the PMI eliminated from your loan, which will make your monthly payments go down. P C Appraisal Services is experienced in helping clients just like you rid yourselves of unneeded and unwanted PMI insurance.
Challenging property tax assessments
Your local tax assessor may have your house overvalued if you live in an area that's declining. This means you are going to pay 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 a matter like this, the better. When contesting your property tax assessment, getting a professional appraisal from P C Appraisal Services is your best weapon.
Was your HELOC recently frozen?
Your lender just may decide to automatically freeze your home equity line of credit (HELOC) if your home is in a declining area -- even if your specific property has not declined in value. This can be be bad for your credit score since it may appear as though that credit line is maxed out, and also difficult and inconvenient from a cash flow angle. P C Appraisal Services can help you reinstate your home equity line of credit with an expert appraisal.
Do You Need Field and Desktop Appraisal Review Services?
Do you need a seasoned appraiser to double-check your appraisal for accuracy, or do you need a second opinion without the added expense and delay of waiting for a whole new appraisal? P C Appraisal Services offers field reviews where we go out and check the subject and comparables in question. If you need it in a rush, 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.
We can also provide a retrospective review of any appraisal report you may have had done before. Even though this is typically requested by banks, you may need to employ this service if you suspect mortgage fraud related to your property.