Attention homeowners in Coopersburg and Lehigh County: Get an Appraisal today!
Here are the top seven reasons Pennsylvania homeowners need Janice Peterson dba J Starr Appraisals:
At Janice Peterson dba J Starr Appraisals, we understand the special needs of a consumer after appraisal services. Our business practices and reporting formats are relatively routine to our business clients like banks, lawyers, and CPAs. But as a consumer, we will provide you with extra guidance and explanations through the appraisal process to more fully understand what we do and how we report our conclusions.
For-Sale-by-Owner (FSBO) / Pre-Listing ServicesIt's very hard to be objective about your own house because you most likely have an emotional attachment to it. Professional appraisers, like the ones at Janice Peterson dba J Starr Appraisals, are objective. We'll tell you what you need to know, not just what you want to hear. A professional appraisal is a very important negotiating tool once you have an interested buyer, in addition to helping you set a realistic price to sell at 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 home's value -- not just how much you think your home is worth. Interested buyers know that you have an emotional attachment to your house and will be more likely to give credibility to a professional appraiser's value conclusion than yours.
Challenge Lehigh County's assessment of your propertyYour local tax assessor may have your house overvalued if you live in a region that's declining or not appreciating as much as other properties close to yours. That means you're paying more taxes than you should. Since your property assessment may likely go up again in the next period, the faster you take care of things like this, the better off you'll be. When contesting your property tax assessment, getting an appraisal from Janice Peterson dba J Starr Appraisals is your #1 weapon.
PMI Removal AppraisalsPMI stands for Private Mortgage Insurance. An attractive way to cut expenses for homeowners is getting the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. 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 a lender to have the PMI canceled from your loan. We are qualified in helping clients just like you delete unwanted PMI insurance.
Was your HELOC recently frozen?If your property is close to a declining area, your lender might just decide 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 disadvantageous from a cash flow angle, but it can be destructive to your credit score since it may appear as though that credit line is maxed out. Janice Peterson dba J Starr Appraisals can help you reinstate your home equity line of credit with efficient appraisal.
Do You Need Field and Desktop Appraisal Review Services?Do you need a professional to double-check your appraisal for precision, or do you desire a second opinion without the added expense and delay of waiting for a whole new appraisal? Janice Peterson dba J Starr Appraisals offers field reviews where we'll go out and check the subject and comps in question. Or, if you need it immediately, we can provide you with a desk review and verify as many facts as we can, using online data sources as well as our own files.
We can also provide a retrospective review of any appraisal report you may have in your possession. Although most appraisal reviews are commissioned by lenders for quality control, homeowners that have reason to believe a prior appraisal wasn't above board are wise to get a second opinion.