Appraisal services for Spotsylvania and Henrico County homeowners
See the top 7 reasons VA homeowners hire Murray Appraisal Services, Inc.:
Need help deciding the price of your house in or near Spotsylvania, VA?
We at Murray Appraisal Services, Inc. understand the special needs of a consumer after appraisal services. Our customary business clients get the appraisal process and the usual "products" we deliver to them. But as a consumer,you will receive extra guidance and explanations through the appraisal process to understand what we do and how we present our findings.
For Sale By Owner/Pre-Listing Services
Since you have an emotional attachment to your house, it's often very hard to be objective about it. Professional appraisers, like the ones at Murray Appraisal Services, Inc., will be objective. We'll tell you what you need to know, not just what you want to hear. In addition to helping you set a realistic price to sell at so your home will attract interested buyers, a professional appraisal is a crucial negotiating tool once you have a likely buyer. The appraisal is something concrete to show the buyer. The appraisal is an independent third party's opinion of your home's price, not just you saying how much you think your house is worth. Interested buyers assume that you have an emotional attachment to your home and will be more likely to give credibility to a qualified appraiser's value assessment than yours.
Need to cancel PMI?
PMI stands for Private Mortgage Insurance. An attractive way to save money for homeowners is getting the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan is below 80% of the value of your property, in most cases you can apply to a lender to have the PMI eliminated from your loan, which will make your monthly payments go down. Murray Appraisal Services, Inc. is qualified in helping clients just like you delete unwanted and unneeded PMI insurance.
Challenge Henrico county's assessment of your property
Your local tax assessor may have your house overvalued if your house not appreciating as much as other homes close to yours. This means you are paying higher taxes than you should be paying. The sooner 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 expert appraisal from Murray Appraisal Services, Inc. is your #1 weapon.
HELOC recently frozen?
Your lender might make the decision to automatically freeze your home equity line of credit (HELOC) if your property is in or near a declining area -- even if your specific property has not declined in value. This can this be unsuitable from a cash flow viewpoint, and bad for your credit score since it may appear as though that credit line is maxed out. An expert appraisal from Murray Appraisal Services, Inc. can help you reinstate your HELOC.
We Also Provide Field and Desktop Appraisal Review Services
Do you need a veteran appraiser to double-check your appraisal for efficiency, or do you need a second opinion without the expense and delay of waiting for a whole new appraisal? In a field review we will go out and check the subject and comparables in question. Or, if you're in a hurry, we can provide 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 in the past. Even though this is usually requested by banks, you may want to use this service if you suspect mortgage fraud related to your house.