Attention homeowners in Virginia Beach and Virginia Beach City County: Get an Appraisal today!
See the top seven reasons why VA homeowners hire Ronald Gambardella Appraisals:
Need help deciding the price of your home in or near Virginia Beach, VA?
At Ronald Gambardella Appraisals, we understand the special needs of a homeowner looking for 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 (FSBO)
It's very hard to be objective about your own home because you most likely have an emotional attachment to it. A professional appraiser is objective and will tell you what you need to know, not just what you want to hear. A professional appraisal is a very valuable negotiating tool once you have a potential buyer, in addition to helping you set a realistic price to sell at so your home will attract interested buyers. The appraisal is something concrete to show the buyer. An appraisal is an independent third party's opinion of your house's value -- not just how much you think your house is worth. Interested buyers know you have an emotional attachment to your home and will be far more likely to give credibility to an experienced appraiser's value opinion 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". Your monthly payments will go down once your mortgage loan amount is less than 80% of the value of your home. In most cases you can apply to a lender to have the PMI eliminated from your loan. We're seasoned in helping customers just like you rid yourselves of unwanted and unneeded PMI insurance.
Challenge Tax Assessment
Lets say your home is not appreciating as much as other houses close to yours -- your local tax assessor may have your house overvalued. This only means you are most likely paying higher taxes than you should be paying. The sooner you take care of a matter like this, the better, since your property assessment may likely go up again in the next period. When contesting your property tax assessment, getting an expert appraisal from Ronald Gambardella Appraisals is your strongest weapon.
Was your HELOC recently frozen?
Even if your specific property has not declined in value, your lender might make the decision to automatically freeze your home equity line of credit (HELOC) if your house is close to a declining area. Not only can this be unsuitable from a cash flow viewpoint, but it can be unfavorable to your credit score since it may appear as though that credit line is maxed out. A professional appraisal from Ronald Gambardella Appraisals can help you reinstate your HELOC.
Field and Desktop Appraisal Review Services
Do you need a seasoned appraiser to double-check your appraisal for precision, or do you desire a second opinion without the expense and delay of waiting for a whole new appraisal? An appraiser from Ronald Gambardella Appraisals can go out and check the subject and comparables in a field review. Or, if you need it 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.
We can also provide you with a a retrospective review of any appraisal report you may have had in the past. Even though this is typically requested by banks, you may desire to employ this service if you suspect mortgage fraud related to your home.