Attention homeowners in Burgettstown and Washington County: Get an Appraisal today!
The top seven reasons Pennsylvania homeowners need LT Appraisal Services:
At LT Appraisal Services, we understand the special needs of a customer seeking appraisal services. While our usual business 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 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. In addition to helping you set a realistic selling price so your home will attract interested buyers, a professional appraisal is very crucial as a negotiating tool once you have a likely buyer. It gives you something tangible to show the buyer. The 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 a seasoned appraiser's value estimation than yours.
Challenge a property tax assessmentYour local tax assessor may have your house overvalued if you live in a region that is declining or not appreciating as much as other houses close to yours. That only means you're paying more taxes than you should. Since your property assessment may likely go up again in the next period, the earlier you take care of things like this, the better. Getting an expert appraisal from LT Appraisal Services is your #1 weapon when challenging your property tax assessment.
Need to cancel PMI?PMI stands for Private Mortgage Insurance. A popular way to cut costs for homeowners is getting the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. 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 a lender to have the PMI eliminated from your loan. LT Appraisal Services is experienced in helping people just like you remove unwanted PMI insurance.
HELOC recently frozen?Your lender might just decide to automatically freeze your home equity line of credit (HELOC) if your house is near a declining area -- even if your specific property has not declined in value. This can be inconvenient from a cash flow angle, and detrimental to your credit score since it may appear as though that credit line is maxed out. LT Appraisal Services can help you reinstate your home equity line of credit with an expert appraisal.
We Also Offer Field and Desktop Appraisal Review ServicesHave you just gotten a copy of your appraisal and you would wish to have a seasoned expert double-check it for accuracy or do you need a second opinion without the added cost and delay of waiting for a whole new appraisal? An appraiser from LT Appraisal Services can go out and check the subject and comparables in question in a field review. Or, if you need it in a rush, we can provide 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? We can assist you. While typically requested by banks, you may need to employ this service if you suspect mortgage fraud related to your property.