Real estate appraisal services for homeowners in the Central Pennsylvania. Here are the top 7 reasons why Pennsylvania homeowners order from Stover Appraisals:
- Pre-listing appraisals (whether they're selling the home on their own or using a real estate agent)
- Challenge a property tax assessment
- Remove PMI to lower your mortgage payment
- To reinstate your Home Equity Line of Credit (or HELOC)
- Verify another appraiser's report
- If property needs to be divided because of a divorce
- Settle an estate in Pennsylvania by determining the true market value of a property
||Do you own a house in Central Pennsylvania? Do you need help deciding the price of your real estate? Contact Stover Appraisals.
At Stover Appraisals, I understand the special needs of a consumer after appraisal services. While my typical 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 OwnerIt's very hard to be objective about your home because you most likely have an emotional attachment to it. A professional appraiser is objective and will tell you what you need to know, not just what you want to hear. A professional appraisal is very valuable as a negotiating tool once you have an attainable buyer, in addition to helping you set a realistic price to sell at so your house will attract many interested buyers. The appraisal is something tangible to show your buyer. The appraisal is an independent third party's opinion of your property's market value, not just how much your home is worth. Interested buyers assume that you have an emotional attachment to your house and will be more likely to give credibility to a professional appraiser's value report than yours.
Challenge property tax assessmentsYour local tax assessor may have your house overvalued if your house is not appreciating as much as other properties close to yours. This means you are going to pay higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the earlier you take care of things like this, the better off you'll be. When contesting your property tax assessment, getting an appraisal report from Stover Appraisals is your strongest weapon.
Appraisals to remove PMIGetting the PMI (Private Mortgage Insurance) removed from your mortgage loan is a preferred way to cut costs for homeowners. Your monthly payments will go down once your mortgage loan amount is down below 80% of the value of your home. In most cases you can apply to your lender to have the PMI canceled from your loan. At Stover Appraisals, I'm experienced in helping people just like you delete unneeded and unwanted PMI insurance.
Recently got a freeze to your HELOC?Even if your specific property has not declined in value, your lender might make the decision to automatically freeze your home equity line of credit (HELOC) if your home is in or near a declining area. Not only can this be unsuitable from a cash flow angle, but it can be negative on your credit score since it may appear as though that credit line is maxed out. Stover Appraisals can help you reinstate your HELOC.