Appraisal services for Branford and New Haven County homeowners
See the top seven reasons why CT homeowners order from P C Appraisal Services:
Own a home in or near Branford, CT and need help deciding the value of it?
At P C Appraisal Services, we understand the special needs of a customer looking for appraisal services. While our usual clients understand the appraisal process and standard reporting formats, you as a consumer will get extra customer 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 (FSBO)/Pre-Listing Services
It's very hard to be objective about your own house because you probably have an emotional attachment to it. Our professional appraisers at P C Appraisal Services are objective. We won't just tell you what you want to hear, we will tell you what you need to know. In addition to helping you set a realistic price to sell at so your property will attract interested buyers, a professional appraisal is a crucial negotiating tool once you have an interested buyer. It's something concrete to show your buyer. An appraisal is an independent third party's opinion of your home's value -- not just how much you think your house is worth. Potential buyers assume that you have an emotional attachment to your home and will be more likely to give credibility to an expert appraiser's value assessment than yours.
Need to cancel PMI?
Getting the PMI (Private Mortgage Insurance) removed from your mortgage loan is a fashionable way to cut costs for homeowners. Once your mortgage loan is less than 80% of the value of your property, in most cases you can apply to your lender to have the PMI removed from your loan, which will make your monthly payments go down. We are experts in helping people just like you rid yourselves of unnecessary PMI insurance.
Challenging property tax assessments
Your local tax assessor may have your home overvalued if your house is not appreciating as much as other properties nearby. This only means you are most likely paying higher taxes than you should be paying. The quicker you take care of a matter like this, the better off you'll be, since your property assessment may likely go up again in the next period. An appraisal report from P C Appraisal Services is your best weapon when challenging your property tax assessment.
Recently got a freeze your HELOC?
If your property is close to a declining area, your lender might just choose to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can this be inconvenient from a cash flow standpoint, and bad for your credit score since it may appear as though that credit line is maxed out. An expert appraisal from P C Appraisal Services can help you reinstate your HELOC.
We Offer Field and Desktop Appraisal Review Services
Would you prefer a second opinion without the cost and delay of waiting for a whole new appraisal? Or do you desire a professional to double-check your appraisal for precision? P C Appraisal Services offers field reviews where we'll go out and check the subject and comps. Or, if you're in a rush, we can 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 you with a a retrospective review of any appraisal report you may have had done before. While typically requested by banks, you may need to use this service if you suspect mortgage fraud related to your home.