Appraisal services for Salem and Rockingham County homeowners
Check out the top seven reasons NH homeowners use Baseline Appraisal Services:
Need help deciding the value of your home in or near Salem, NH?
At Baseline Appraisal Services, we understand the unique needs of a customer 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.
For Sale By Owner (FSBO)/Pre-Listing Services
Since you have an emotional attachment to your 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. A professional appraisal is a crucial 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. The appraisal is something tangible to show the buyer. An appraisal is an independent third party's opinion of your property's value -- not just you saying how much your house is worth. Interested 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 report than yours.
Need to remove PMI?
PMI stands for Private Mortgage Insurance. A popular way to save money 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 less than 80% of the value of your property. In most cases you can apply to a lender to have the PMI canceled from your loan. Baseline Appraisal Services is experts in helping consumers just like you do away with unneeded PMI insurance.
Challenging Rockingham county's assessment of your property
Lets say your home is not appreciating as much as other homes close to yours -- your local tax assessor may have your house overvalued. That only means you're going to pay more taxes than you should. Since your property assessment may likely go up again in the next period, the sooner you take care of things like this, the better off you'll be. Getting an appraisal report from Baseline Appraisal Services is your #1 weapon when contesting 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 house is in or near a declining area. Not only can this be difficult and inconvenient from a cash flow angle, 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 help you reinstate your home equity line of credit with a professional appraisal.
We Provide Field and Desktop Appraisal Review Services
Have you just accepted a copy of your appraisal and you would wish to have an expert double-check it for verity or do you want a second opinion without the added cost and delay of waiting for a whole new appraisal? An appraiser from Baseline Appraisal Services can go out and check the subject and comps in a field review. Or, if you need it ASAP, we can 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 you may have had done before. While typically requested by banks, you may wish to take advantage of this service if you suspect mortgage fraud related to your home.