Real estate appraisal services for homeowners in the city of Salem and Rockingham County
Here are the top 7 reasons NH homeowners hire Baseline Appraisal Services:
Own a home in or near Salem, NH and need help determining the value of it?
We at Baseline Appraisal Services understand the particular needs of a homeowner in need of 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)
It's very hard to be objective about your own house because you probably have an emotional attachment to 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. In addition to helping you set a realistic price to sell at so your house will attract buyers, a professional appraisal is a very valuable negotiating tool once you have an attainable buyer. The appraisal is something tangible to show your buyer. It's an independent third party's opinion of your house's price, and not just you saying how much your house is worth. Potential buyers assume you have an emotional attachment to your home and will be much more likely to give credibility to a professional appraiser's value assessment than yours.
Appraisals to remove PMI
PMI stands for Private Mortgage Insurance. A fashionable money saver for homeowners is to get the PMI removed from their mortgage loan, thus saving them money on their monthly payments. Your monthly payments will go down once your mortgage loan amount is down below 80% of the value of your house. In most cases you can apply to a lender to have the PMI removed from your loan. We are seasoned in helping people just like you rid yourselves of unwanted PMI insurance.
Challenging a property tax assessment
Your local tax assessor may have your home overvalued if you live in an area that's declining or is not appreciating as much as other homes nearby. That only means you're probably paying more taxes than you should. The earlier you take care of a matter like this, the better off you'll be, since your property assessment may likely go up again in the next period. An expert appraisal from Baseline Appraisal Services is your number one weapon when challenging your property tax assessment.
Recently got a freeze your HELOC?
Your lender may make the decision to automatically freeze your home equity line of credit (HELOC) if your home is in or near a declining area -- even if your specific property has not declined in value. This can be be detrimental to your credit score since it may appear as though that credit line is maxed out, and also inopportune from a cash flow point of view. Baseline Appraisal Services can provide you with an expert appraisal that will help you reinstate your home equity line of credit.
Need Field and Desktop Appraisal Review Services?
Have you just been given a copy of your appraisal and you would like to have a veteran appraiser double-check it for accuracy or do you desire a second opinion without the added expense and delay of waiting for a whole new appraisal? We can go out and check the subject and comps in question in a field review. If you need it in a rush, we'll 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 you may have had done before. Even though this is usually requested by banks, you may desire to utilize this service if you suspect mortgage fraud related to your home.