Need an appraisal in Salem or Rockingham County?
See the top seven reasons why NH homeowners hire Baseline Appraisal Services:
Own a home in or near Salem, NH and need help deciding the price of it?
At Baseline Appraisal Services, we understand the unique needs of a consumer looking for appraisal services. Our business practices and reporting formats are familiar to our business clients like banks, attorneys, and accountants. As our client, you will receive extra guidance and explanations through the appraisal process to more fully understand what we do and how we report our conclusions.
Pre-listing Services/For Sale By Owner (FSBO)
Since you have an emotional attachment to your own 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. In addition to helping you set a realistic price to sell at so your property will attract interested buyers, a professional appraisal is very important as a negotiating tool once you have a potential buyer. It's something tangible to show your buyer. The appraisal is an independent third party's opinion of your property's price, not just how much you think your house is worth. Potential buyers know that you have an emotional attachment to your house and will be far more likely to give credibility to an accomplished appraiser's value judgement than yours.
Appraisals to remove PMI
A popular way to save money for homeowners is getting the PMI canceled 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 canceled from your loan, which will make your monthly payments go down. We are experienced in helping people just like you dismiss undesirable PMI insurance.
Challenge Rockingham county's assessment of your property
Your local tax assessor may have your home overvalued if you live in a region that's declining. This only means you are most likely paying higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the faster you take care of a matter like this, the better. Getting an expert appraisal from Baseline Appraisal Services is your number one weapon when contesting your property tax assessment.
HELOC recently frozen?
If your home is in a declining area, your lender just might choose to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. Not only can this be unsuitable from a cash flow angle, but it can be detrimental to your credit score since it may appear as though that credit line is maxed out. Baseline Appraisal Services can help you reinstate your HELOC.
We Provide Field and Desktop Appraisal Review Services
Have you just been handed a copy of your appraisal and you would wish to have a veteran appraiser double-check it for preciseness or do you desire a second opinion without the charge 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 immediately, we can 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? Baseline Appraisal Services can help you with that. While typically requested by banks, you may desire to use this service if you suspect mortgage fraud related to your house.