Attention homeowners in Lancaster and Lancaster County: Get an Appraisal today!
The top 7 reasons why Pennsylvania homeowners order from Appraisal Associates of Lancaster, Inc.:
At Appraisal Associates of Lancaster, Inc., we understand the individual needs of a customer in need of appraisal services. While our 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.
For Sale by Owner (FSBO)/Pre-Listing ServicesIt's very hard to be objective about your house because of your emotional attachment to it. The professional appraisers at Appraisal Associates of Lancaster, Inc. will tell you what you need to know -- not just what you want to hear. We are objective. A professional appraisal is very important as a negotiating tool once you have a likely buyer, in addition to helping you set a realistic selling price so your property will attract buyers. The appraisal is something concrete to show your buyer. The appraisal is an independent third party's opinion of your home's market value, not just you saying how much your house is worth. Interested buyers assume that you have an emotional attachment to your house and will be much more likely to give credibility to a seasoned appraiser's value report than yours.
Challenging a property tax assessmentIf you live in a region that is declining or is not appreciating as much as other properties close to yours, your local tax assessor may have your house overvalued. This only means you're going to pay higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the quicker you take care of things like this, the better off you'll be. An expert appraisal from Appraisal Associates of Lancaster, Inc. is your strongest weapon when challenging your property tax assessment.
PMI Removal AppraisalsPMI stands for Private Mortgage Insurance. An attractive way to save money for homeowners is to get the PMI removed from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan is down 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. At Appraisal Associates of Lancaster, Inc., we're qualified in helping clients just like you dismiss undesirable PMI insurance.
HELOC recently frozen?Your lender just might decide 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. Not only can this be troublesome from a cash flow viewpoint, but it can be negative on your credit score since it may appear as though that credit line is maxed out. Appraisal Associates of Lancaster, Inc. can help you reinstate your HELOC.
Do You Need Field and Desktop Appraisal Review Services?Do you need a professional to double-check your appraisal for efficiency, or do you desire a second opinion without the charge 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 immediately, 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 you with a retrospective review of any appraisal report you may have had in the past. While typically requested by banks, you may want to use this service if you suspect mortgage fraud related to your house.