Need an appraisal in Seneca Rocks or Pendleton County?
Here are the top seven reasons West Virginia homeowners need Champ Rock Appraisals, LLC:
At Champ Rock Appraisals, LLC, we understand the unique needs of a customer in need of appraisal services. Our customary business clients get the appraisal process and the usual "products" we deliver to them. Being a regular homeowner that probably doesn't see an appraisal every day, you can expect extra guidance and explanations through the appraisal process to better understand what we do and how we present our conclusions.
Pre-listing Services/For Sale by Owner (FSBO)Since you have an emotional attachment to your home, it's often very hard to be objective about it. Our professional appraisers at Champ Rock Appraisals, LLC are objective. We won't just tell you what you want to hear, we will tell you what you need to know. A professional appraisal is very important as a negotiating tool once you have an attainable buyer, in addition to helping you set a realistic selling price so your property will attract buyers. It's something concrete to show the buyer. The appraisal is an independent third party's opinion of your house's market value, not just how much 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 a seasoned appraiser's value opinion than yours.
Challenge property tax assessmentsLet's say your house is not appreciating as much as other properties close by -- your local tax assessor may have your house overvalued. This only means you're paying higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the faster you take care of things like this, the better off you'll be. When contesting your property tax assessment, getting an appraisal report from Champ Rock Appraisals, LLC is your perfect weapon.
Appraisals to cancel PMIGetting the PMI (Private Mortgage Insurance) eliminated from your mortgage loan is a popular way to cut costs for homeowners. Once your mortgage loan is less than 80% of the value of your home, in most cases you can apply to your lender to have the PMI canceled from your loan, which will make your monthly payments go down. At Champ Rock Appraisals, LLC, we're veterans in helping folks just like you remove unwanted PMI insurance.
HELOC recently frozen?Your lender might decide to automatically freeze your home equity line of credit (HELOC) if your property is in a declining area -- even if your specific property has not declined in value. Not only can this be troublesome from a cash flow standpoint, but it can be damaging to your credit score since it may appear as though that credit line is maxed out. Champ Rock Appraisals, LLC can help you reinstate your home equity line of credit with efficient appraisal.
We Also Offer Field and Desktop Appraisal Review ServicesHave you just been given a copy of your appraisal and you would prefer to have a veteran appraiser double-check it for preciseness or do you want a second opinion without the cost and delay of waiting for a whole new appraisal? In a field review we will go out and check the subject and comparables. If you need it ASAP, we'll provide desk review and verify as many facts as we can, using online data sources as well as our own files.
Do you need a retrospective review of an appraisal report? Champ Rock Appraisals, LLC can help you with that. While typically requested by banks, you may need to utilize this service if you suspect mortgage fraud related to your home.