Real estate appraisal services for homeowners in the city of Christiansburg and Montgomery CountyThe top 7 reasons Virginia homeowners hire Kelly Appraisal:
We at Kelly Appraisal understand the unique needs of a consumer looking for appraisal services. While our typical business clients understand the appraisal process and standard reporting formats, you as a consumer will get an extra level of 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 ServicesIt's very hard to be objective about your home because you probably have an emotional attachment to it. Our professional appraisers at Kelly Appraisal are objective. We won't just tell you what you want to hear, we'll tell you what you need to know. In addition to helping you set a realistic price to sell at so your property will attract many interested buyers, a professional appraisal is very crucial as a negotiating tool once you have a likely buyer. The appraisal is something tangible to show the buyer. The appraisal is an independent third party's opinion of your home's market value, not just you saying how much you think your house is worth. Potential buyers assume you have an emotional attachment to your house and will be far more likely to give credibility to an expert appraiser's value assessment than yours.Challenge a property tax assessmentIf you live in an area that is going down or not appreciating as much as other houses nearby, your local tax assessor may have your house overvalued. That only means you are paying more taxes than you should. Since your property assessment may likely go up again in the next period, the faster you take care of a matter like this, the better. A professional appraisal from Kelly Appraisal is your number one weapon when challenging your property tax assessment.Need to cancel PMI?A preferred way to cut costs 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". 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 the lender to have the PMI removed from your loan. Kelly Appraisal is seasoned in helping consumers just like you delete unwanted PMI insurance.Recently got a freeze to your HELOC?Even if your specific property has not declined in value, your lender just might decide to automatically freeze your home equity line of credit (HELOC) if your home is close to a declining area. Not only can this be difficult and inconvenient from a cash flow point of view, but it can be detrimental to your credit score since it may appear as though that credit line is maxed out. Kelly Appraisal can help you reinstate your home equity line of credit with an expert appraisal.Need Field and Desktop Appraisal Review Services?Have you just gotten a copy of your appraisal and you would like to have a seasoned appraiser double-check it for verity or do you desire a second opinion without the added expense and delay of waiting for a whole new appraisal? An appraiser from Kelly Appraisal can go out and check the subject and comps in a field review. If you need it in a rush, we'll 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 a retrospective review of any appraisal report you may have in your possession. Although most review work is commissioned by lenders for quality control, homeowners that have reason to believe a prior appraisal wasn't above board are wise to invest in a second opinion. |
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