Attention homeowners in Wilmington and New Castle County: Need an appraisal?The top reasons Delaware homeowners hire Needs Appraisals:
We at Needs Appraisals understand the individual needs of a customer in need of appraisal services. Our business practices and reporting formats are relatively routine to our business clients like lenders, lawyers, and CPAs. Being a regular homeowner that most likely doesn't look at appraisals every day, you'll receive extra guidance and explanations through the appraisal process to more clearly understand what we do and how we present our conclusions. Pre-listing Services/For Sale by Owner (FSBO)It's very hard to be objective about your house because you most likely have an emotional attachment to it. Professional appraisers, like the ones at Needs Appraisals, will be objective. We will tell you what you need to know, not just what you want to hear. In addition to helping you set a realistic price to sell at so your house will attract buyers, a professional appraisal is very crucial as a negotiating tool once you have a likely buyer. It's something tangible to show the buyer. The appraisal is an independent third party's opinion of your property's market value, not just you saying how much your home is worth. Potential buyers know you have an emotional attachment to your home and will be far more likely to give credibility to a professional appraiser's value assessment than yours.Challenging property tax assessmentsYour local tax assessor may have your home overvalued if you live in a region that's going down. This only means you are paying higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the earlier you take care of things like this, the better off you'll be. When contesting your property tax assessment, getting an appraisal from Needs Appraisals is your best weapon.Need to cancel PMI?A preferred way to cut costs for homeowners is to get the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Once your mortgage loan is down below 80% of the value of your property, in most cases you can apply to the lender to have the PMI canceled from your loan, which will make your monthly payments go down. We are experienced in helping people just like you remove unneeded and unwanted PMI insurance.HELOC recently frozen?Your lender might just decide to automatically freeze your home equity line of credit (HELOC) if your property is close to a declining area -- even if your specific property has not declined in value. This can be bad for your credit score since it may appear as though that credit line is maxed out, and also inconvenient from a cash flow point of view. Needs Appraisals can help you reinstate your HELOC.Do You Need Field and Desktop Appraisal Review Services?Would you like a second opinion without the cost and delay of waiting for a whole new appraisal? Or do you want a professional to double-check your appraisal for precision? We can go out and check the subject and comps in question in a field review. Or, if you need it ASAP, 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 you may have in your possession. While typically requested by banks, you may want to use this service if you suspect mortgage fraud related to your home. |
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