Appraisal services for Spotsylvania and Spotsylvania County homeowners

See the top 7 reasons VA homeowners order from Howell Appraisal, Inc.:

Pre-listing appraisals (whether they're selling the home on their own or using a real estate agent)
Challenge property tax assessments
To cut their mortgage payment by removing PMI
To reinstate your Home Equity Line of Credit (or HELOC)
To review a different appraiser's report for verification
In the case of a VA divorce, where real estate property needs to be divided
To determine the true market value of property in question to settle an estate in Spotsylvania County or the state of VA

Own a house in or near Spotsylvania, VA and need help determining the price of it?
Contact Howell Appraisal, Inc..

At Howell Appraisal, Inc., we understand the special needs of a consumer in need of appraisal services. The appraisal process and reporting formats are relatively routine to our business clients like banks, attorneys, and CPAs. Being a regular homeowner that most likely doesn't see an appraisal on a regular basis,you can expect extra guidance and explanations through the appraisal process to more clearly understand what we do and how we present our findings.

Pre-listing Services/For Sale By Owner (FSBO)

It's very hard to be objective about your house 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. 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 valuable as a negotiating tool once you have a potential buyer. It gives you something tangible to show the buyer. The appraisal is an independent third party's opinion of your property's price, not just how much your house is worth. Interested buyers know you have an emotional attachment to your home and will be more likely to give credibility to an experienced appraiser's value assessment than yours.

Need to cancel PMI?

PMI stands for Private Mortgage Insurance. A popular way to cut costs 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 amount is down below 80% of the value of your property. In most cases you can apply to your lender to have the PMI removed from your loan. At Howell Appraisal, Inc., we're qualified in helping people just like you delete undesirable PMI insurance.

Challenge property tax assessments

If you live in a region that is going down or not appreciating as much as other homes nearby, your local tax assessor may have your home overvalued. This means you are probably paying higher taxes than you should be paying. 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. When contesting your property tax assessment, getting an appraisal from Howell Appraisal, Inc. is your perfect weapon.

Recently got a freeze your HELOC?

Even if your specific property has not declined in value, your lender might just decide to automatically freeze your home equity line of credit (HELOC) if your home is in a declining area. This can this be disadvantageous from a cash flow standpoint, and unfavorable to your credit score since it may appear as though that credit line is maxed out. Howell Appraisal, Inc. can provide you with a professional appraisal to help you reinstate your HELOC.

Do You Need Field and Desktop Appraisal Review Services?

Do you need a seasoned professional to double-check your appraisal for preciseness, or do you need a second opinion without the charge and delay of waiting for a whole new appraisal? Howell Appraisal, Inc. offers field reviews where we go out and check the subject and comparables in question. 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 in your possession. While typically requested by banks, you may want to use this service if you suspect mortgage fraud related to your house.