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

The top reasons Virginia homeowners hire Keller Appraisal:

Find the right listing price (whether you're using a real estate agent or selling the home on your own)
Challenge Chesterfield County's assessment of your property
To cut a mortgage payment by removing PMI
Reinstate their Home Equity Line of Credit (HELOC)
Verify a different appraiser's report
In the case of a divorce in the state of Virginia, where real estate needs to be divided
Determine the true market value of the property in question to settle an estate in Virginia


	Do you own a house in or near Midlothian? Do you need help deciding the price of your real estate? Contact Keller Appraisal.

We at Keller Appraisal understand the particular needs of a consumer seeking 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)

Since you have an emotional attachment to your house, it's often very hard to be objective about it. A professional appraiser is objective and will tell you what you need to know, not just what you want to hear. In addition to helping you set a realistic price to sell at so your house will attract buyers, a professional appraisal is a very important negotiating tool once you have an attainable buyer. The appraisal is something tangible to show your buyer. The appraisal is an independent third party's opinion of your home's market value, not just how much you think your house is worth. Interested buyers assume that you have an emotional attachment to your house and will be far more likely to give credibility to a seasoned appraiser's value judgement than yours.

Challenging property tax assessments

Let's say you live in an area that's declining -- your local tax assessor may have your house overvalued. That only means you're probably paying more taxes than you should. The sooner you take care of things like this, the better, since your property assessment may likely go up again in the next period. When challenging your property tax assessment, getting an appraisal report from Keller Appraisal is your strongest weapon.

PMI Removal Appraisals

Getting the PMI (Private Mortgage Insurance) canceled from your mortgage loan is an attractive way to cut expenses for homeowners. Your monthly payments will go down once your mortgage loan is less than 80% of the value of your house. In most cases you can apply to your lender to have the PMI removed from your loan. Keller Appraisal is qualified in helping customers just like you do away with unneeded PMI insurance.

Recently got a freeze to your HELOC?

Even if your specific property has not declined in value, your lender just might make the decision to automatically freeze your home equity line of credit (HELOC) if your home is in a declining area. Not only can this be unsuitable from a cash flow angle, but it can be destructive to your credit score since it may appear as though that credit line is maxed out. An expert appraisal from Keller Appraisal can help you reinstate your HELOC.

Field and Desktop Appraisal Review Services

Would you prefer a second opinion without the charge and delay of waiting for a whole new appraisal? Or do you need an expert to double-check your appraisal for efficiency? In a field review we'll go out and check the subject and comps. If you're in a rush, we'll provide desk review and verify as many facts as we can, using online data sources as well as our own files.

Do you need a retrospective review of an appraisal? We can help with that too. Although most appraisal reviews are commissioned by lenders for quality control, homeowners that have reason to believe they've been the victim of mortgage fraud are prudent to invest in a second opinion.