Attention homeowners in Harmony and Butler County: Get an Appraisal today!
Here are the top seven reasons why Pennsylvania homeowners order from Craig Gehm Appraisals:
At Craig Gehm Appraisals, we understand the particular needs of a customer after appraisal services. Our business practices and reporting formats are familiar to our business clients like banks, lawyers, and CPAs. Being a consumer that probably doesn't look at appraisals on a regular basis, we will give you extra guidance and explanations through the appraisal process to understand what we do and how we document the results of our analysis.
For-Sale-by-Owner (FSBO) / Pre-Listing ServicesIt's very hard to be objective about your own home because you probably have an emotional attachment to it. Professional appraisers, like the ones at Craig Gehm Appraisals, are objective. We will tell you what you need to know, not just what you want to hear. A professional appraisal is very crucial as a negotiating tool once you have a likely 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 concrete 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. Interested buyers know that you have an emotional attachment to your house and will be much more likely to give credibility to a seasoned appraiser's value opinion than yours.
Challenge Butler County's assessment of your propertyLet's say your house is not appreciating as much as other homes close to yours -- your local tax assessor may have your home overvalued. That means you're paying more taxes than you should. Since your property assessment may likely go up again in the next period, the sooner you take care of things like this, the better off you'll be. An appraisal report from Craig Gehm Appraisals is your number one weapon when challenging your property tax assessment.
PMI Removal AppraisalsGetting the PMI (Private Mortgage Insurance) canceled from your mortgage loan is a popular way to cut expenses for homeowners. Your monthly payments will go down once your mortgage loan is less than 80% of the value of your home. In most cases you can apply to a lender to have the PMI canceled from your loan. We're experts in helping homeowners just like you delete unnecessary PMI insurance.
Recently got a freeze to your HELOC?If your home is near a declining area, your lender may make the decision to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can be difficult and inconvenient from a cash flow viewpoint, and harmful to your credit score since it may appear as though that credit line is maxed out. Craig Gehm Appraisals can provide you with an expert appraisal to help you reinstate your HELOC.
Do You Need Field and Desktop Appraisal Review Services?Would you wish a second opinion without the added expense and delay of waiting for a whole new appraisal? Or do you want a seasoned expert to double-check your appraisal for precision? We can go out and check the subject and comps in question in a field review. If you're in a rush, we'll 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 you may have had in the past. Although most appraisal reviews are requested by lenders for quality control, homeowners suspecting they've been the victim of mortgage fraud are wise to invest in a second opinion.