Attention homeowners in Port Orchard and Kitsap County: Need an appraisal?
The top 7 reasons why WA homeowners use RWA Appraisals:
Own a house in or near Port Orchard, WA and need help deciding the price of it?
We at RWA Appraisals understand the special needs of a consumer in need of appraisal services. While our typical 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.
Pre-listing Services/For Sale By Owner (FSBO)
It's very hard to be objective about your house because you most likely have an emotional attachment to it. Our professional appraisers at RWA Appraisals are objective. We won't just tell you what you want to hear, we will tell you what you need to know. In addition to helping you set a realistic price to sell at so your home will attract interested buyers, a professional appraisal is a very valuable negotiating tool once you have a potential buyer. The appraisal is something concrete 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 house and will be far more likely to give credibility to an expert appraiser's value judgement than yours.
PMI Removal Appraisals
Getting the PMI (Private Mortgage Insurance) removed from your mortgage loan is an attractive money saver for homeowners. Your monthly payments will go down once your mortgage loan is less than 80% of the value of your home. In most cases you can apply to the lender to have the PMI eliminated from your loan. RWA Appraisals is qualified in helping clients just like you abolish unnecessary PMI insurance.
Challenge Tax Assessment
Lets say you live in an area that's declining -- 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 a matter like this, the better off you'll be. When challenging your property tax assessment, getting an appraisal from RWA Appraisals is your #1 weapon.
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 home is in a declining area. This can this be troublesome from a cash flow standpoint, and bad for your credit score since it may appear as though that credit line is maxed out. RWA Appraisals can help you reinstate your HELOC.
We Offer Field and Desktop Appraisal Review Services
Would you wish a second opinion without the charge and delay of waiting for a whole new appraisal? Or do you need a seasoned appraiser to double-check your appraisal for accuracy? We can go out and check the subject and comps in a field review. Or, if you're in a rush, 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? We can help with that too. Even though this is typically requested by banks, you may want to exercise this service if you suspect mortgage fraud related to your house.