Attention homeowners in the Philadelphia metropolitan region: Need an appraisal?
Check out the top reasons Pennsylvania homeowners trust Carleton & Wines, LLC with their valuations:
At Carleton & Wines, LLC, we understand the individual needs of a customer seeking 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-Sale-by-Owner (FSBO) / Pre-Listing Services
It can be difficult to be objective about your own home because you most likely have an emotional attachment to it. The professional appraisers at Carleton & Wines, LLC will tell you what you need to know -- not just what you want to hear. We are objective. In addition to helping you set a realistic price to sell and attract buyers, a professional appraisal is a crucial negotiating tool once you have an interested buyer. The appraisal is something concrete to show your buyer. An appraisal is an independent third party's opinion of your home's value -- not just you saying how much you think your house is worth. Interested buyers assume that you have an emotional attachment to your house and will be more likely to give credibility to an experienced appraiser's value report than yours.
Challenging property tax assessmentsYour local tax assessor may have your property overvalued if your home not appreciating as much as other properties close by. This means you're most likely paying higher taxes than you should be. When contesting your property tax assessment, a professional appraisal from Carleton & Wines, LLC is necessary tool.
PMI Removal AppraisalsRemoving PMI (Private Mortgage Insurance) from a mortgage loan is an attractive way to save money for homeowners. Monthly payments will go down once the mortgage loan is below 80% of the value of the house. In most cases you can apply to a lender to have the PMI eliminated from your loan. At Carleton & Wines, LLC, we're seasoned in helping clients remove unneeded and unwanted PMI insurance.
Was your HELOC recently frozen?Your lender might choose to automatically freeze your home equity line of credit (HELOC) if your house is near a declining area -- even if your specific property has not declined in value. This can be difficult from a cash flow point of view, and bad for your credit score since it may appear as though that credit line is maxed out. Carleton & Wines, LLC can help you reinstate your HELOC.
Field and Desktop Appraisal Review ServicesDo you need an expert to double-check your appraisal for accuracy or do you need 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 comparables. Or, if you're in a rush, 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 you with a retrospective review of any appraisal report you may have had in the past. While usually requested by banks, you may need to utilize this service if you suspect mortgage fraud related to your property.