Attention homeowners in Virginia Beach and Virginia Beach City County: Need an appraisal?
Here are the top reasons VA homeowners hire Angel's Appraisals :
Own a house in or near Virginia Beach, VA and need help determining the value of it?
We at Angel's Appraisals understand the individual needs of a customer looking for appraisal services. The appraisal process and reporting formats are relatively routine to our business clients like banks, lawyers, and CPAs. As our client, we will give you extra guidance and explanations through the appraisal process to more fully understand what we do and how we document the results of our analysis.
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. The professional appraisers at Angel's Appraisals will tell you what you need to know -- not just what you want to hear. We are objective. In addition to helping you set a realistic price to sell at so your property will attract many interested buyers, a professional appraisal is very important as a negotiating tool once you have a potential buyer. It's something concrete to show your buyer. It's an independent third party's opinion of your property's price, and not just you saying how much your house is worth. Interested buyers know you have an emotional attachment to your house and will be much more likely to give credibility to a professional appraiser's value opinion than yours.
Appraisals to remove PMI
PMI stands for Private Mortgage Insurance. An attractive way to save money for homeowners is getting the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan amount is below 80% of the value of your property, in most cases you can apply to the lender to have the PMI eliminated from your loan, which will make your monthly payments go down. We're experts in helping consumers just like you do away with undesirable PMI insurance.
Challenge a property tax assessment
Your local tax assessor may have your house overvalued if you live in a region that is declining. This means you're probably paying higher taxes than you should be paying. 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. When challenging your property tax assessment, getting a professional appraisal from Angel's Appraisals is your best weapon.
Was your HELOC recently frozen?
Even if your specific property has not declined in value, your lender may just make the decision to automatically freeze your home equity line of credit (HELOC) if your property is close to a declining area. This can be be damaging to your credit score since it may appear as though that credit line is maxed out, and also inopportune from a cash flow angle. Angel's Appraisals can help you reinstate your home equity line of credit with a professional appraisal.
We Provide Field and Desktop Appraisal Review Services
Do you need a seasoned expert to double-check your appraisal for verity, or do you want a second opinion without the added expense and delay of waiting for a whole new appraisal? In a field review we'll go out and check the subject and comps. Or, if you're in a hurry, we can 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 While usually requested by banks, you may need to make use of this service if you suspect mortgage fraud related to your house.