Attention homeowners in Midlothian and Chesterfield County: Get an Appraisal today!

The top 7 reasons why Virginia homeowners need Keller Appraisal:

Pre-listing appraisals (whether they're selling the home themselves or using a real estate agent)
Challenge property tax assessments
Remove PMI to cut a mortgage payment
To reinstate their Home Equity Line of Credit (HELOC)
To review a different appraiser's report for verification
If real estate needs to be divided because of a divorce
To determine the true market value of real estate to settle an estate in Chesterfield County or the state of Virginia


	Own a home in or near Midlothian, Virginia and need help determining the value of it? Contact Keller Appraisal.

We at Keller Appraisal understand the unique needs of a consumer after appraisal services. Our customary business clients get the appraisal process and the usual "products" we deliver to them. Being a person not in the real estate business that probably doesn't see an appraisal every day, we'll be sure you get extra guidance and explanations through the appraisal process to more clearly understand what we do and how we document the results of our analysis.

For Sale by Owner (FSBO)/Pre-Listing Services

Since you have an emotional attachment to your home, it's often very hard to be objective about it. Professional appraisers, like the ones at Keller Appraisal, will be objective. We'll tell you what you need to know, not just what you want to hear. In addition to helping you set a realistic selling price so your property will attract many interested buyers, a professional appraisal is a very valuable negotiating tool once you have a likely buyer. The appraisal is something tangible to show the buyer. The appraisal is an independent third party's opinion of your property's market value, not just how much your home is worth. Potential buyers assume you have an emotional attachment to your home and will be far more likely to give credibility to a professional appraiser's value judgement than yours.

Challenging a property tax assessment

Your local tax assessor may have your home overvalued if you live in a region that is going down or is not appreciating as much as other properties close to yours. That only means you're most likely paying more taxes than you should. The quicker 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 appraisal report from Keller Appraisal is your #1 weapon.

PMI Removal Appraisals

A popular money saver 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". Once your mortgage loan is down below 80% of the value of your house, in most cases you can apply to the lender to have the PMI canceled from your loan, which will make your monthly payments go down. At Keller Appraisal, we're seasoned in helping homeowners just like you rid yourselves of unwanted PMI insurance.

HELOC recently frozen?

Your lender might choose to automatically freeze your home equity line of credit (HELOC) if your property is in or near a declining area -- even if your specific property has not declined in value. Not only can this be annoying from a cash flow point of view, but it can be damaging to your credit score since it may appear as though that credit line is maxed out. Keller Appraisal can help you reinstate your HELOC.

Field and Desktop Appraisal Review Services

Have you just been handed a copy of your appraisal and you'd like to have an expert double-check it for efficiency or do you want a second opinion without the added cost and delay of waiting for a whole new appraisal? In a field review we'll go out and check the subject and comparables in question. Or, if you need it ASAP, 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 a retrospective review of any appraisal report you may have had in the past. Even though most review work is commissioned by lenders for quality control, homeowners that have reason to believe a prior appraisal wasn't above board are prudent to get a second opinion.