Appraisal services for Branford and New Haven County homeowners
Here are the top seven reasons why CT homeowners use P C Appraisal Services:
Own a home in or near Branford, CT and need help determining the price of it?
At P C Appraisal Services, we understand the unique needs of a consumer seeking 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/Pre-Listing Services
Since you have an emotional attachment to your own house, it's often very hard to be objective about 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 home will attract interested buyers, a professional appraisal is a very valuable negotiating tool once you have an interested buyer. The appraisal is something tangible to show your buyer. It's an independent third party's opinion of your home's price, and not just how much you think your home is worth. Interested buyers know you have an emotional attachment to your home and will be far more likely to give credibility to an accomplished appraiser's value judgement than yours.
Need to cancel PMI?
PMI stands for Private Mortgage Insurance. A preferred money saver for homeowners is getting the PMI removed from their mortgage loan, thus saving them money on their monthly payments. Your monthly payments will go down once your mortgage loan is down below 80% of the value of your property. In most cases you can apply to your lender to have the PMI eliminated from your loan. P C Appraisal Services is experts in helping consumers just like you delete unneeded PMI insurance.
Challenging a property tax assessment
Lets say you live in a local area that's declining -- your local tax assessor may have your home overvalued. This only means you are most likely paying higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the quicker you take care of things like this, the better. A professional appraisal from P C Appraisal Services is your #1 weapon when challenging your property tax assessment.
Was your HELOC recently frozen?
Your lender may choose to automatically freeze your home equity line of credit (HELOC) if your house is near a declining area -- even if your specific property has not declined in value. This can be be destructive to your credit score since it may appear as though that credit line is maxed out, and also annoying from a cash flow point of view. P C Appraisal Services can provide you with an expert appraisal to help you reinstate your HELOC.
We Also Provide Field and Desktop Appraisal Review Services
Do you need a professional to double-check your appraisal for precision, 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 comparables in question in a field review. Or, if you're in a rush, 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.
Need a retrospective review of an appraisal report? We can help with that too. Even though this is typically requested by banks, you may want to use this service if you suspect mortgage fraud related to your home.