Need an appraisal in Powhatan or Powhatan County?
The top seven reasons why Virginia homeowners hire O'neil Appraisal Services LLC (804) 929-0026:
At O'neil Appraisal Services LLC (804) 929-0026, we understand the individual needs of a customer in need of appraisal services. Our business practices and reporting formats are relatively routine to our business clients like lenders, attorneys, and accountants. But as a consumer, we'll be sure you get extra guidance and explanations through the appraisal process to more clearly understand what we do and how we report the results of our analysis.
Pre-listing Services/For Sale by OwnerSince you have an emotional attachment to your own house, it's often very hard to be objective about it. The professional appraisers at O'neil Appraisal Services LLC (804) 929-0026 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 house will attract many interested buyers, a professional appraisal is a very valuable negotiating tool once you have a likely buyer. It gives you something concrete to show your buyer. It's an independent third party's opinion of your house's value, and not just how much your house is worth. Potential buyers know you have an emotional attachment to your home and will be far more likely to give credibility to an experienced appraiser's value opinion than yours.
Challenging a property tax assessmentYour 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 houses close by. This means you're going to pay 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 a matter like this, the better. Getting an appraisal report from O'neil Appraisal Services LLC (804) 929-0026 is your number one weapon when contesting your property tax assessment.
Need to remove PMI?Getting the PMI (Private Mortgage Insurance) canceled from your mortgage loan is a popular way to save money for homeowners. Your monthly payments will go down once your mortgage loan amount is below 80% of the value of your property. In most cases you can apply to a lender to have the PMI eliminated from your loan. At O'neil Appraisal Services LLC (804) 929-0026, we're experienced in helping people just like you delete unneeded PMI insurance.
Recently got a freeze to your HELOC?If your home is in or near a declining area, your lender may just make the decision to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can be negative on your credit score since it may appear as though that credit line is maxed out, and also unsuitable from a cash flow viewpoint. An expert appraisal from O'neil Appraisal Services LLC (804) 929-0026 can help you reinstate your HELOC.
We Provide Field and Desktop Appraisal Review ServicesDo you need a veteran appraiser to double-check your appraisal for preciseness, or do you want a second opinion without the charge and delay of waiting for a whole new appraisal? O'neil Appraisal Services LLC (804) 929-0026 offers field reviews where we'll go out and check the subject and comparables. 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.
We can also provide you with a retrospective review of any appraisal report you may have had done before. Even though most appraisal reviews are requested by lenders for quality control, homeowners suspecting they've been the victim of mortgage fraud are wise to invest in a second opinion.