Attention homeowners: Real estate appraisal services for in Harpswell and Cumberland County

Here are the top seven reasons ME homeowners need Property Valuation Services, Inc.:

  1. Pre-listing appraisals (whether they're selling the home on their own or using an agent)
  2. Challenge Cumberland county's assessment of your property
  3. To cut a mortgage payment by removing PMI
  4. To reinstate your Home Equity Line of Credit (HELOC)
  5. Review another appraiser's report for verification
  6. In the case of a ME divorce, when real estate needs to be divided
  7. To settle an estate in Cumberland county or ME by determining the true market value of property in question

Own a house in or near Harpswell, ME and need help determining the price of it?
Contact Property Valuation Services, Inc..

We at Property Valuation Services, Inc. understand the special needs of a customer looking for appraisal services. Our typical business clients understand the appraisal process and the standard "products" we deliver to them. But as a general consumer,you'll receive extra guidance and explanations through the appraisal process to more clearly understand what we do and how we document our conclusions.

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

It's very hard to be objective about your own home because of your emotional attachment to it. Professional appraisers, like the ones at Property Valuation Services, Inc., are objective. We will tell you what you need to know, not just what you want to hear. A professional appraisal is a very valuable negotiating tool once you have a likely buyer, in addition to helping you set a realistic price to sell at so your house will attract many interested buyers. The appraisal is something tangible to show the buyer. The appraisal is an independent third party's opinion of your home's price, not just you saying how much your house is worth. Potential buyers know you have an emotional attachment to your home and will be much more likely to give credibility to an experienced appraiser's value judgement than yours.

Need to cancel PMI?

PMI stands for Private Mortgage Insurance. A preferred way to save money for homeowners is to get the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan amount is less than 80% of the value of your property, in most cases you can apply to the lender to have the PMI removed from your loan, which will make your monthly payments go down. At Property Valuation Services, Inc., we're seasoned in helping customers just like you remove unwanted and unneeded PMI insurance.

Challenge Cumberland county's assessment of your property

If you live in a region that is declining or is not appreciating as much as other properties close to yours, your local tax assessor may have your home 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. An appraisal report from Property Valuation Services, Inc. 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 might just make the decision to automatically freeze your home equity line of credit (HELOC) if your house is close to a declining area. Not only can this be troublesome from a cash flow standpoint, but it can be negative on your credit score since it may appear as though that credit line is maxed out. Property Valuation Services, Inc. can provide you with a professional appraisal that will help you reinstate your home equity line of credit.

Do You Need Field and Desktop Appraisal Review Services?

Have you just been handed a copy of your appraisal and you would like to have a seasoned appraiser double-check it for efficiency or do you desire a second opinion without the charge and delay of waiting for a whole new appraisal? In a field review we will 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 Even though this is typically requested by banks, you may wish to utilize this service if you suspect mortgage fraud related to your house.