Appraisal services for Branford and New Haven County homeowners
Here are the top 7 reasons why CT homeowners call on P C Appraisal Services:
Own a home in or near Branford, CT and need help deciding the price of it?
At P C Appraisal Services, we understand the unique needs of a consumer in need of appraisal services. While our typical 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.
For Sale By Owner/Pre-Listing Services
It's very hard to be objective about your own house because of your emotional attachment to it. A professional appraiser is objective and will 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 house will attract buyers, a professional appraisal is very crucial as a negotiating tool once you have a potential buyer. It gives you something concrete to show the buyer. The appraisal is an independent third party's opinion of your property's price, not just how much you think your home is worth. Potential buyers assume that you have an emotional attachment to your house and will be far more likely to give credibility to an experienced appraiser's value judgement than yours.
Appraisals to cancel PMI
An attractive way to cut costs for homeowners is to get 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 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're qualified in helping folks just like you remove unneeded and unwanted PMI insurance.
Challenge a property tax assessment
If you live in a region that is declining or not appreciating as much as other homes close by, your local tax assessor may have your house overvalued. 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 off you'll be. When challenging your property tax assessment, getting an expert appraisal from P C Appraisal Services is your number one weapon.
Was your HELOC recently frozen?
Your lender may just make the decision to automatically freeze your home equity line of credit (HELOC) if your home is in or near a declining area -- even if your specific property has not declined in value. Not only can this be difficult from a cash flow angle, but it can be bad for your credit score since it may appear as though that credit line is maxed out. An appraisal from P C Appraisal Services can help you reinstate your HELOC.
We Also Offer Field and Desktop Appraisal Review Services
Have you just accepted a copy of your appraisal and you'd prefer to have a professional double-check it for preciseness or do you want a second opinion without the added expense and delay of waiting for a whole new appraisal? An appraiser from P C Appraisal Services can go out and check the subject and comps in question in a field review. If you're in a hurry, 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 you with a a retrospective review of any appraisal you may have had done before. While usually requested by banks, you may desire to make use of this service if you suspect mortgage fraud related to your property.