Attention homeowners in East Stroudsburg and Monroe County: Get an Appraisal today!
The top seven reasons Pennsylvania homeowners order from A.C. Read Appraisal Service:
- To get a pre-listing appraisal (whether they're selling the home on their own or using a real estate agent)
- To challenge a property tax assessment in Pennsylvania
Remove PMI to lower a monthly mortgage payment
Reinstate their Home Equity Line of Credit (or HELOC)
To review a different appraiser's report for verification
In the case of a divorce in the state of Pennsylvania, where property needs to be divided
To settle an estate in Monroe county or Pennsylvania by determining the true market value of the real estate in question
We at A.C. Read Appraisal Service understand the individual needs of a homeowner in need of appraisal services.
Our typical business clients understand the appraisal process and the standard documents we provide. But as a consumer, you can expect extra guidance and explanations through the appraisal process to understand what we do and how we document our findings.
For-Sale-by-Owner (FSBO) / Pre-Listing Services
It's very hard to be objective about your own home because you probably have an emotional attachment to it.
Our professional appraisers at A.C. Read Appraisal Service are objective. We won't just tell you what you want to hear, we will tell you what you need to know.
In addition to helping you set a realistic selling price so your property will attract interested buyers, a professional appraisal is very important as a negotiating tool once you have an interested buyer.
It's something tangible to show the buyer.
An appraisal is an independent third party's opinion of your house's value -- not just how much you think your home is worth.
Interested buyers assume you have an emotional attachment to your home and will be more likely to give credibility to an expert appraiser's value report than yours.
Challenging Monroe County's assessment of your property
Let's say your home is not appreciating as much as other properties nearby -- your local tax assessor may have your home overvalued.
That only means you are going to pay more taxes than you should.
The faster you take care of a matter like this, the better, since your property assessment may likely go up again in the next period.
When challenging your property tax assessment, getting an appraisal from A.C. Read Appraisal Service is your strongest weapon.
Need to cancel PMI?
Getting the PMI (Private Mortgage Insurance) eliminated from your mortgage loan is a fashionable money saver for homeowners.
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 eliminated from your loan, which will make your monthly payments go down.
At A.C. Read Appraisal Service, we're experienced in helping clients just like you remove unneeded and unwanted PMI insurance.
HELOC recently frozen?
Even if your specific property has not declined in value, your lender may just decide to automatically freeze your home equity line of credit (HELOC) if your house is close to a declining area.
This can be difficult and inconvenient from a cash flow viewpoint, and damaging to your credit score since it may appear as though that credit line is maxed out.
A.C. Read Appraisal Service can help you reinstate your home equity line of credit with an expert appraisal.
Do You Need Field and Desktop Appraisal Review Services?
Do you need a veteran appraiser to double-check your appraisal for verity, or do you desire a second opinion without the cost 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.
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.
Do you need a retrospective review of an appraisal? We can assist you.
Even though most review work is commissioned by lenders, homeowners suspecting they've been the victim of mortgage fraud are wise to get a second opinion.