Appraisal services for Winchester and Frederick County homeowners
Check out the top reasons VA homeowners order from Loving Appraisals:
Need help deciding the price of your home in or near Winchester, VA?
We at Loving Appraisals understand the individual 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 service in the form of an explanation of the process and even special consumer-friendly reporting forms if the assignment allows for them.
Pre-listing Services/For Sale By Owner (FSBO)
It's very hard to be objective about your own home because you probably have an emotional attachment to it. The professional appraisers at Loving Appraisals will tell you what you need to know -- not just what you want to hear. We are objective. In addition to helping you set a realistic selling price so your property will attract many interested buyers, a professional appraisal is a very valuable negotiating tool once you have an interested buyer. The appraisal is something concrete to show the buyer. An appraisal is an independent third party's opinion of your property's value -- not just you saying how much you think your home is worth. Interested buyers know you have an emotional attachment to your home and will be much more likely to give credibility to an accomplished appraiser's value conclusion than yours.
Appraisals to cancel PMI
A fashionable way to cut costs for homeowners is getting the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Once your mortgage loan amount 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, which will make your monthly payments go down. At Loving Appraisals, we're veterans in helping customers just like you rid yourselves of unwanted PMI insurance.
Challenging Frederick county's assessment of your property
If you live in a local area that is going down or not appreciating as much as other homes close to yours, your local tax assessor may have your home overvalued. This means you're most likely paying higher taxes than you should be paying. The earlier you take care of things like this, the better off you'll be, since your property assessment may likely go up again in the next period. An appraisal from Loving Appraisals is your best weapon when challenging your property tax assessment.
Recently got a freeze your HELOC?
Your lender may just choose to automatically freeze your home equity line of credit (HELOC) if your home is in a declining area -- even if your specific property has not declined in value. This can be be harmful to your credit score since it may appear as though that credit line is maxed out, and also annoying from a cash flow angle. Loving Appraisals can help you reinstate your HELOC.
Need Field and Desktop Appraisal Review Services?
Have you just received a copy of your appraisal and you would wish to have a veteran appraiser double-check it for efficiency or do you want a second opinion without the charge and delay of waiting for a whole new appraisal? Loving Appraisals offers field reviews where we go out and check the subject and comps in question. If you need it ASAP, 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.
Do you need a retrospective review of an appraisal report? Loving Appraisals can help with that too. Even though this is typically requested by banks, you may want to exploit this service if you suspect mortgage fraud related to your house.