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Attention homeowners in Locust Grove and Orange County: Get an Appraisal today!
Check out the top seven reasons Virginia homeowners order from Hoffman Appraisals, LLC:
- Get a pre-listing appraisal (whether they're selling the home on their own or using an agent)
- To challenge a property tax assessment in Virginia
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Remove PMI to cut your mortgage payment
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To reinstate their Home Equity Line of Credit (or HELOC)
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Verify a different appraiser's report
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If real estate needs to be divided because of a divorce
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To determine the true market value of a property to settle an estate
We at Hoffman Appraisals, LLC understand the particular needs of a consumer looking for appraisal services.
While our typical 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.
For Sale by Owner (FSBO)/Pre-Listing Services
Since you have an emotional attachment to your own house, it's often very hard to be objective about it.
The professional appraisers at Hoffman Appraisals, 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 at so your house will attract buyers, a professional appraisal is very crucial as a negotiating tool once you have an attainable buyer.
It's something tangible to show the buyer.
It's an independent third party's opinion of your house's value, and not just how much you think your home is worth.
Potential buyers know that you have an emotional attachment to your house and will be much more likely to give credibility to an expert appraiser's value assessment than yours.
Challenge property tax assessments
Let's say your house is not appreciating as much as other properties nearby -- your local tax assessor may have your house overvalued.
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 quicker you take care of a matter like this, the better off you'll be.
Getting an appraisal report from Hoffman Appraisals, LLC is your chief weapon when challenging your property tax assessment.
Appraisals to cancel PMI
Getting the PMI (Private Mortgage Insurance) canceled from your mortgage loan is a popular way to cut costs for homeowners.
Once your mortgage loan amount is below 80% of the value of your property, in most cases you can apply to your lender to have the PMI removed from your loan, which will make your monthly payments go down.
Hoffman Appraisals, LLC is qualified in helping homeowners just like you dismiss unwanted PMI insurance.
Recently got a freeze to your HELOC?
If your house is in a declining area, your lender might 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 be inopportune from a cash flow viewpoint, and negative on your credit score since it may appear as though that credit line is maxed out.
Hoffman Appraisals, LLC can provide you with efficient appraisal that will help you reinstate your HELOC.
We Also Offer Field and Desktop Appraisal Review Services
Do you need a seasoned professional to double-check your appraisal for precision, or do you need a second opinion without the expense and delay of waiting for a whole new appraisal?
We can go out and check the subject and comparables in a field review.
Or, if you need it 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 done before.
Even though most review work is requested by lenders for quality control, homeowners suspecting a prior appraisal wasn't above board are wise to invest in a second opinion.
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