Attention homeowners in Rixeyville and Culpeper County: Need an appraisal?
Check out the top seven reasons why Virginia homeowners call on COOPER RESIDENTIAL SERVICES:
We at COOPER RESIDENTIAL SERVICES understand the special needs of a customer seeking appraisal services. While our typical clients understand the appraisal process and standard reporting formats, you as a consumer will get extra customer 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 OwnerSince you have an emotional attachment to your home, it's often very hard to be objective about 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 a likely buyer, in addition to helping you set a realistic selling price so your house will attract interested buyers. It's something tangible to show the buyer. It's an independent third party's opinion of your house's value, and not just you saying how much you think your house is worth. Potential buyers know you have an emotional attachment to your home and will be much more likely to give credibility to an expert appraiser's value report than yours.
Challenge Tax AssessmentYour local tax assessor may have your house overvalued if you live in a local area that is going down or not appreciating as much as other houses close to yours. This only means you're most likely paying 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. An appraisal report from COOPER RESIDENTIAL SERVICES is your strongest weapon when contesting your property tax assessment.
PMI Removal AppraisalsA preferred 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". Your monthly payments will go down once your mortgage loan is down below 80% of the value of your house. In most cases you can apply to a lender to have the PMI eliminated from your loan. COOPER RESIDENTIAL SERVICES is qualified in helping people just like you get rid of unnecessary PMI insurance.
Recently got a freeze to your HELOC?If your house is in or near a declining area, your lender might choose to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. Not only can this be disadvantageous 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. An expert appraisal from COOPER RESIDENTIAL SERVICES can help you reinstate your HELOC.
Need Field and Desktop Appraisal Review Services?Do you need a seasoned appraiser to double-check your appraisal for preciseness, or do you desire a second opinion without the added cost and delay of waiting for a whole new appraisal? We can go out and check the subject and comparables in a field review. Or, if you need it 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.
We can also provide a retrospective review of any appraisal you may have had done before. While usually requested by banks, you may need to utilize this service if you suspect mortgage fraud related to your house.