Attention homeowners: Real estate appraisal services for in Hardwick and Caledonia County

Here are the top 7 reasons VT homeowners call on Northern Vermont Appraisals, PC:

  1. Get a pre-listing appraisal (whether you're using an agent or selling the home on your own)
  2. Challenge property tax assessments
  3. Remove PMI to cut their monthly mortgage payment
  4. Reinstate your Home Equity Line of Credit (or HELOC)
  5. Review a different appraiser's report for verification
  6. If real estate property needs to be divided because of a divorce
  7. Determine the true market value of property in question to settle an estate

Do you own a home in or near Hardwick? Do you need help deciding the value of your real estate?
Contact Northern Vermont Appraisals, PC.

At Northern Vermont Appraisals, PC, we understand the special needs of a homeowner in need of appraisal services. Our business practices and reporting formats are familiar to our business clients like banks, attorneys, and accountants. But as a general consumer,we will provide you with extra guidance and explanations through the appraisal process to understand what we do and how we present our conclusions.

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. 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 important negotiating tool once you have a potential buyer, in addition to helping you set a realistic selling price so your property will attract buyers. It gives you something concrete to show your buyer. It's an independent third party's opinion of your house's price, and not just you saying how much you think your home is worth. Interested buyers assume that you have an emotional attachment to your home and will be much more likely to give credibility to an accomplished appraiser's value conclusion than yours.

Appraisals to cancel PMI

An attractive 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". Once your mortgage loan amount is down below 80% of the value of your home, in most cases you can apply to the lender to have the PMI removed from your loan, which will make your monthly payments go down. At Northern Vermont Appraisals, PC, we're experienced in helping people just like you remove undesirable PMI insurance.

Challenging a property tax assessment

Your local tax assessor may have your home overvalued if you live in a region that is declining or is not appreciating as much as other properties close by. This means you're most likely paying higher taxes than you should be paying. 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. Getting an expert appraisal from Northern Vermont Appraisals, PC is your #1 weapon when contesting your property tax assessment.

Recently got a freeze your HELOC?

Your lender might decide 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. This can be be bad for your credit score since it may appear as though that credit line is maxed out, and also disadvantageous from a cash flow angle. Northern Vermont Appraisals, PC can provide you with an expert appraisal to help you reinstate your home equity line of credit.

Do You Need Field and Desktop Appraisal Review Services?

Do you need a veteran appraiser to double-check your appraisal for preciseness, or do you want a second opinion without the added cost and delay of waiting for a whole new appraisal? Northern Vermont Appraisals, PC offers field reviews where we'll go out and check the subject and comparables in question. If you need it immediately, we'll 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 you may have had done before. While typically requested by banks, you may desire to use this service if you suspect mortgage fraud related to your house.