Attention homeowners in Salem and Rockingham County: Need an appraisal?
The top reasons NH homeowners hire Baseline Appraisal Services:
Do you own a home in or near Salem? Do you need help determining the value of your real estate?
We at Baseline Appraisal Services understand the special needs of a customer looking for appraisal services. While our typical business clients understand the appraisal process and standard reporting formats, you as a consumer will get an extra level of customer 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
It's very hard to be objective about your own home because of your emotional attachment to 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 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 interested buyers. It's something tangible to show the buyer. It's an independent third party's opinion of your home's price, and not just you saying how much you think your home is worth. Potential buyers assume you have an emotional attachment to your home and will be far more likely to give credibility to an experienced appraiser's value assessment than yours.
PMI Removal Appraisals
PMI stands for Private Mortgage Insurance. An attractive money saver for homeowners is getting 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 amount is less than 80% of the value of your home. In most cases you can apply to your lender to have the PMI removed from your loan. Baseline Appraisal Services is qualified in helping people just like you get rid of undesirable PMI insurance.
Challenge a property tax assessment
Your local tax assessor may have your house overvalued if you live in a region that's going down or not appreciating as much as other properties close by. 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 things like this, the better. An appraisal from Baseline Appraisal Services is your #1 weapon when contesting 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 near a declining area -- even if your specific property has not declined in value. Not only can this be difficult and inconvenient from a cash flow standpoint, but it can be destructive 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.
Need Field and Desktop Appraisal Review Services?
Do you need an expert to double-check your appraisal for accuracy, or do you want a second opinion without the expense 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. Or, if you need it immediately, we can provide you with a 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 report? Baseline Appraisal Services can help you with that. While typically requested by banks, you may wish to utilize this service if you suspect mortgage fraud related to your home.