Attention homeowners: Real estate appraisal services for in Salem and Rockingham County
The top seven reasons NH homeowners order from Baseline Appraisal Services:
Own a home in or near Salem, NH and need help deciding the value of it?
At Baseline Appraisal Services, we understand the individual needs of a consumer looking for appraisal services. While our usual business 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 home, it's often very hard to be objective about it. Professional appraisers, like the ones at Baseline Appraisal Services, are objective. We will tell you what you need to know, not just what you want to hear. A professional appraisal is very crucial as a negotiating tool once you have an interested buyer, in addition to helping you set a realistic price to sell at so your property will attract many interested buyers. It gives you something tangible to show the buyer. It's an independent third party's opinion of your home's price, and not just how much your home is worth. Potential buyers know you have an emotional attachment to your home and will be much more likely to give credibility to an accomplished appraiser's value judgement than yours.
Appraisals to cancel PMI
PMI stands for Private Mortgage Insurance. A preferred way to cut expenses for homeowners is to get the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. Your monthly payments will go down once your mortgage loan is below 80% of the value of your property. In most cases you can apply to a lender to have the PMI canceled from your loan. We are experienced in helping clients just like you remove unwanted and unneeded PMI insurance.
Challenging property tax assessments
Lets say your house is not appreciating as much as other properties nearby -- your local tax assessor may have your home overvalued. That only means you are probably paying more taxes than you should. Since your property assessment may likely go up again in the next period, the faster you take care of things like this, the better. Getting an appraisal from Baseline Appraisal Services is your #1 weapon when challenging your property tax assessment.
Recently got a freeze your HELOC?
Your lender may 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 unsuitable from a cash flow point of view, but it can be harmful to your credit score since it may appear as though that credit line is maxed out. Baseline Appraisal Services can provide you with efficient appraisal that will help you reinstate your home equity line of credit.
Do You Need Field and Desktop Appraisal Review Services?
Would you prefer a second opinion without the added expense and delay of waiting for a whole new appraisal? Or do you need a professional to double-check your appraisal for efficiency? In a field review we'll 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.
Need a retrospective review of an appraisal report? We can help you with that Even though this is typically requested by banks, you may want to exercise this service if you suspect mortgage fraud related to your house.