Attention homeowners in Midlothian and Chesterfield County: Need an appraisal?

Here are the top seven reasons VA homeowners need Smith Appraisal Group, LLC. :

To get a pre-listing appraisal (whether they're selling the home on their own or using an agent)
To challenge a VA property tax assessment
Remove PMI to reduce a monthly mortgage payment
Reinstate their Home Equity Line of Credit (or HELOC)
Verify another appraiser's report
In the case of a VA divorce, where real estate property needs to be divided
Determine the true market value of real estate in question to settle an estate in Chesterfield county or VA

Own a house in or near Midlothian, VA and need help determining the value of it?
Contact Smith Appraisal Group, LLC. .

At Smith Appraisal Group, LLC. , we understand the particular needs of a consumer looking for appraisal services. Our business practices and reporting formats are relatively routine to our business clients like banks, lawyers, and CPAs. But as a general consumer,we will give you extra guidance and explanations through the appraisal process to understand what we do and how we document the results of our analysis.

For Sale By Owner/Pre-Listing Services

Since you have an emotional attachment to your home, it's often very hard to be objective about it. Our professional appraisers at Smith Appraisal Group, LLC. are objective. We won't just tell you what you want to hear, we will tell you what you need to know. A professional appraisal is very crucial as a negotiating tool once you have a likely buyer, in addition to helping you set a realistic selling price so your property will attract interested buyers. It gives you something concrete to show the buyer. It's an independent third party's opinion of your home's value, and not just you saying how much you think your home is worth. Interested buyers know you have an emotional attachment to your home and will be much more likely to give credibility to a qualified appraiser's value report than yours.

Appraisals to cancel PMI

A preferred way to save money for homeowners is getting the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Once your mortgage loan is below 80% of the value of your home, in most cases you can apply to a lender to have the PMI eliminated from your loan, which will make your monthly payments go down. We're experienced in helping customers just like you abolish unwanted PMI insurance.

Challenge Tax Assessment

Your local tax assessor may have your home overvalued if you live in an area that is going down or not appreciating as much as other houses close to yours. That only means you are most likely paying more taxes than you should. Since your property assessment may likely go up again in the next period, the sooner you take care of a matter like this, the better. An expert appraisal from Smith Appraisal Group, LLC. is your strongest weapon when contesting your property tax assessment.

Recently got a freeze your HELOC?

If your house is in a declining area, your lender may just make the decision to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can this be annoying from a cash flow standpoint, and unfavorable to your credit score since it may appear as though that credit line is maxed out. Smith Appraisal Group, LLC. can help you reinstate your home equity line of credit with efficient appraisal.

Need Field and Desktop Appraisal Review Services?

Would you prefer a second opinion without the added cost and delay of waiting for a whole new appraisal? Or do you desire a veteran appraiser to double-check your appraisal for preciseness? An appraiser from Smith Appraisal Group, LLC. can go out and check the subject and comparables in question in a field review. If you're in a hurry, we'll 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 report? We can help you with that While typically requested by banks, you may need to employ this service if you suspect mortgage fraud related to your house.