Appraisal services for Elkins Park and Montgomery County homeowners
Here are the top 7 reasons Pennsylvania homeowners use Hill Appraisal Associates, LLC:
Own a house in or near Elkins Park, Pennsylvania and need help determining the value of it?
At Hill Appraisal Associates, LLC, we understand the particular needs of a customer seeking appraisal services. While our usual business clients understand the appraisal process and standard reporting formats, you as a consumer will get an extra level of customer service in the form of an explanation of the process and even special consumer-friendly reporting forms if the assignment allows for them.
Pre-listing Services/For Sale By Owner
It's very hard to be objective about your own home because of your emotional attachment to it. Professional appraisers, like the ones at Hill Appraisal Associates, LLC, will be objective. We'll tell you what you need to know, not just what you want to hear. In addition to helping you set a realistic selling price so your property will attract buyers, a professional appraisal is very important as a negotiating tool once you have an attainable buyer. It gives you something concrete to show the buyer. The appraisal is an independent third party's opinion of your property's value, not just you saying how much you think your house is worth. Interested buyers know you have an emotional attachment to your home and will be more likely to give credibility to a qualified appraiser's value estimation than yours.
Need to cancel PMI?
A popular 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". Once your mortgage loan is down below 80% of the value of your home, in most cases you can apply to your lender to have the PMI canceled from your loan, which will make your monthly payments go down. Hill Appraisal Associates, LLC is qualified in helping folks just like you get rid of undesirable PMI insurance.
Challenging Montgomery county's assessment of your property
Your local tax assessor may have your home overvalued if you live in an area that is declining. This means you're probably paying higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the faster you take care of a matter like this, the better off you'll be. When contesting your property tax assessment, getting an expert appraisal from Hill Appraisal Associates, LLC is your chief weapon.
HELOC recently frozen?
If your home is close to a declining area, your lender may choose to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can this be inconvenient from a cash flow angle, and bad for your credit score since it may appear as though that credit line is maxed out. Hill Appraisal Associates, LLC can provide you with an expert appraisal to help you reinstate your home equity line of credit.
We Also Offer Field and Desktop Appraisal Review Services
Would you wish a second opinion without the charge and delay of waiting for a whole new appraisal? Or do you need a seasoned professional to double-check your appraisal for efficiency? An appraiser from Hill Appraisal Associates, LLC can go out and check the subject and comparables in a field review. Or, if you're in a rush, we can 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. Even though this is usually requested by banks, you may desire to exercise this service if you suspect mortgage fraud related to your property.