Attention homeowners in Pittsburgh and Allegheny County: Get an Appraisal today!
Here are the top seven reasons PA homeowners need Owen Appraisal Service LLC:
Do you own a house in or near Pittsburgh? Do you need help deciding the price of your real estate?
We at Owen Appraisal Service LLC understand the unique needs of a customer seeking appraisal services. While our typical business clients understand the appraisal process and standard reporting formats, you as a consumer will get extra customer 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 Services
It's very hard to be objective about your home because of your 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. A professional appraisal is very valuable as a negotiating tool once you have an interested buyer, in addition to helping you set a realistic selling price so your home will attract buyers. The appraisal is something concrete to show the buyer. An appraisal is an independent third party's opinion of your property's price -- not just how much your home is worth. Potential buyers know that you have an emotional attachment to your home and will be far more likely to give credibility to an experienced appraiser's value report than yours.
PMI Removal Appraisals
A preferred way to cut costs for homeowners is to get the PMI removed from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Your monthly payments will go down 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 removed from your loan. We're seasoned in helping homeowners just like you rid themselves of unnecessary PMI insurance.
Challenge a property tax assessment
Your local tax assessor may have your home overvalued if you live in an area that is going down. This only means you're paying 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 a matter like this, the better off you'll be. When contesting your property tax assessment, getting an appraisal report from Owen Appraisal Service LLC is your perfect weapon.
Was your HELOC recently frozen?
If your home is in a declining area, your lender just might make the decision to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. Not only can this be inopportune from a cash flow viewpoint, but it can be bad for your credit score since it may appear as though that credit line is maxed out. Owen Appraisal Service LLC can help you reinstate your home equity line of credit with a professional appraisal.
We Provide Field and Desktop Appraisal Review Services
Have you just been given a copy of your appraisal and you would wish to have a seasoned appraiser double-check it for verity or do you need a second opinion without the cost and delay of waiting for a whole new appraisal? We can go out and check the subject and comps in question in a field review. If you need it immediately, we'll provide you with a 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 report? Owen Appraisal Service LLC can We can assist you. Even though this is typically requested by banks, you may need to exercise this service if you suspect mortgage fraud related to your house.