Appraisal services for Salem and Rockingham County homeowners
Here are the top 7 reasons NH homeowners call on Baseline Appraisal Services:
Need help determining the value of your home in or near Salem, NH?
At Baseline Appraisal Services, we understand the special needs of a customer looking for appraisal services. While our usual clients understand the appraisal process and standard reporting formats, you as a consumer will get extra 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. Our professional appraisers at Baseline Appraisal Services are objective. We won't just tell you what you want to hear, we'll tell you what you need to know. In addition to helping you set a realistic selling price so your house will attract many interested buyers, a professional appraisal is a very valuable negotiating tool once you have an attainable buyer. It's something tangible to show your buyer. The appraisal is an independent third party's opinion of your house's value, not just how much you think your home is worth. Interested buyers know you have an emotional attachment to your home and will be more likely to give credibility to a professional appraiser's value report than yours.
Need to cancel PMI?
PMI stands for Private Mortgage Insurance. A fashionable way to save money for homeowners is to get the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. Your monthly payments will go down once your mortgage loan amount is below 80% of the value of your house. In most cases you can apply to a lender to have the PMI eliminated from your loan. At Baseline Appraisal Services, we're seasoned in helping people just like you dismiss unneeded and unwanted PMI insurance.
Challenging property tax assessments
Lets say you live in a local area that is declining -- your local tax assessor may have your house overvalued. This means you're paying higher taxes than you should be paying. The faster you take care of a matter like this, the better, since your property assessment may likely go up again in the next period. Getting a professional appraisal from Baseline Appraisal Services is your strongest weapon when challenging your property tax assessment.
Was your HELOC recently frozen?
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 or near a declining area. This can be be negative on your credit score since it may appear as though that credit line is maxed out, and also disadvantageous from a cash flow standpoint. Baseline Appraisal Services can help you reinstate your HELOC.
We Offer Field and Desktop Appraisal Review Services
Do you need a professional to double-check your appraisal for accuracy, or do you desire a second opinion without the added cost and delay of waiting for a whole new appraisal? Baseline Appraisal Services offers field reviews where we go out and check the subject and comparables. 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.
We can also provide you with a a retrospective review of any appraisal report you may have had done before. Even though this is typically requested by banks, you may wish to exploit this service if you suspect mortgage fraud related to your house.