Attention homeowners in Huntingdon Valley and Montgomery County: Get an Appraisal today!
The top seven reasons why PA homeowners hire R.M. Rose:
Need help determining the value of your house in or near Huntingdon Valley, PA?
At R.M. Rose, we understand the particular needs of a homeowner after appraisal services. While our usual clients understand the appraisal process and standard reporting formats, you as a consumer will get extra 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 own house because you most likely have an emotional attachment to it. Professional appraisers, like the ones at R.M. Rose, are 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 selling price so your home will attract buyers, a professional appraisal is very important as a negotiating tool once you have an attainable buyer. It gives you something tangible to show your buyer. It's an independent third party's opinion of your home's value, and not just you saying how much your house is worth. Potential buyers know that you have an emotional attachment to your house and will be far more likely to give credibility to an expert appraiser's value opinion than yours.
Need to remove PMI?
Getting the PMI (Private Mortgage Insurance) eliminated from your mortgage loan is a fashionable way to cut costs for homeowners. Your monthly payments will go down once your mortgage loan amount is down below 80% of the value of your home. In most cases you can apply to your lender to have the PMI removed from your loan. We're qualified in helping homeowners just like you do away with unnecessary PMI insurance.
Challenging a property tax assessment
Lets say your home is not appreciating as much as other houses nearby -- your local tax assessor may have your house overvalued. That means you are 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 a matter like this, the better. Getting an appraisal from R.M. Rose is your #1 weapon when contesting your property tax assessment.
Recently got a freeze your HELOC?
Even if your specific property has not declined in value, your lender just may choose to automatically freeze your home equity line of credit (HELOC) if your property is in or near a declining area. This can be be harmful to your credit score since it may appear as though that credit line is maxed out, and also disadvantageous from a cash flow point of view. R.M. Rose can help you reinstate your home equity line of credit with an expert appraisal.
Need Field and Desktop Appraisal Review Services?
Do you need a veteran appraiser to double-check your appraisal for accuracy, or do you want a second opinion without the charge and delay of waiting for a whole new appraisal? In a field review we'll go out and check the subject and comps. Or, if you need it ASAP, 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 you may have in your possession. While typically requested by banks, you may need to utilize this service if you suspect mortgage fraud related to your house.