Appraisal services for Bucks, Burlington, Camden, Chester, Delaware, Gloucester, Mercer, Montgomery, & Philadelphia county homeowners
Here are the top seven reasons why PA & NJ homeowners use Valiant Appraisal Services:
Do you own a house in or near Philadelphia? Do you need help determining the value of your real estate?
At Valiant Appraisal Services, we understand the special needs of a customer after 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.
For-Sale-By-Owner (FSBO) / Pre-Listing Services
It's very hard to be objective about your own home because of your 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 home will attract many interested buyers. It gives you something tangible to show your buyer. An appraisal is an independent third party's opinion of your house's value -- not just you saying how much your house is worth. Potential buyers know you have an emotional attachment to your house and will be more likely to give credibility to a qualified appraiser's value judgement than yours.
Appraisals to remove PMI
A popular way to cut costs for homeowners is to get the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Once your mortgage loan amount is 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, which will make your monthly payments go down. Valiant Appraisal Services is qualified in helping homeowners just like you remove unnecessary PMI insurance.
Challenge a property tax assessment
Lets say you live in a region that's going down -- your local tax assessor may have your home overvalued. This means you are probably paying higher taxes than you should be paying. The quicker you take care of a matter like this, the better off you'll be, since your property assessment may likely go up again in the next period. When challenging your property tax assessment, getting an appraisal from Valiant Appraisal Services is your best weapon.
Was your HELOC recently frozen?
Even if your specific property has not declined in value, your lender may decide to automatically freeze your home equity line of credit (HELOC) if your property is in or near a declining area. This can be be harmful to your credit score since it may appear as though that credit line is maxed out, and also inopportune from a cash flow point of view. Valiant Appraisal Services can help you reinstate your home equity line of credit with an expert appraisal.
Do You Need Field and Desktop Appraisal Review Services?
Have you just gotten a copy of your appraisal and you'd wish to have a seasoned expert double-check it for precision or do you want a second opinion without the cost and delay of waiting for a whole new appraisal? Valiant Appraisal Services offers field reviews where we'll go out and check the subject and comparables. 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.
Do you need a retrospective review of an appraisal report? Valiant Appraisal Services can help with that too. While typically requested by banks, you may wish to employ this service if you suspect mortgage fraud related to your home.