Appraisal services for Butler and Butler County homeowners
Here are the top 7 reasons Pa homeowners use David Hesidenz Appraisals:
Need help deciding the value of your house in or near Butler, Pa?
We at David Hesidenz Appraisals understand the special needs of a consumer in need of appraisal services. Our usual business clients are used to the appraisal process and the customary "products" we deliver to them. Being a person not in the real estate business that probably doesn't look at appraisals every day,we'll be sure you get extra guidance and explanations through the appraisal process to more fully understand what we do and how we present our findings.
Pre-listing Services/For Sale By Owner (FSBO)
It's very hard to be objective about your own house because of your emotional attachment to it. The professional appraisers at David Hesidenz Appraisals 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 house will attract buyers. It gives you something tangible to show your buyer. It's an independent third party's opinion of your property's price, and not just you saying how much your home is worth. Potential buyers assume 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
Getting the PMI (Private Mortgage Insurance) removed from your mortgage loan is a preferred way to save money for homeowners. Your monthly payments will go down once your mortgage loan amount is less than 80% of the value of your property. In most cases you can apply to the lender to have the PMI removed from your loan. We're experienced in helping customers just like you remove undesirable PMI insurance.
Challenge Tax Assessment
Lets say you live in a local area that's going down -- your local tax assessor may have your home overvalued. That means you are probably paying more taxes than you should. The quicker you take care of things like this, the better off you'll be, since your property assessment may likely go up again in the next period. When challenging your property tax assessment, getting an appraisal report from David Hesidenz Appraisals is your strongest weapon.
HELOC recently frozen?
Your lender just might decide to automatically freeze your home equity line of credit (HELOC) if your house is close to a declining area -- even if your specific property has not declined in value. Not only can this be inconvenient from a cash flow viewpoint, but it can be harmful to your credit score since it may appear as though that credit line is maxed out. David Hesidenz Appraisals can provide you with an expert appraisal that will help you reinstate your home equity line of credit.
We Offer Field and Desktop Appraisal Review Services
Do you need a veteran appraiser to double-check your appraisal for accuracy, or do you desire a second opinion without the added cost and delay of waiting for a whole new appraisal? An appraiser from David Hesidenz Appraisals can go out and check the subject and comps 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.
Need a retrospective review of an appraisal? We can help with that too. While usually requested by banks, you may desire to make use of this service if you suspect mortgage fraud related to your house.