Need an appraisal in Green Lane or Montgomery County?
The top reasons PA homeowners hire Carol A. Haber:
Own a home in or near Green Lane, PA and need help deciding the value of it?
At Carol A. Haber, we understand the unique needs of a homeowner looking for appraisal services. Our customary business clients are used to the appraisal process and the usual reporting formats. But as a consumer,we will provide you with extra guidance and explanations through the appraisal process to understand what we do and how we present the results of our analysis.
For Sale By Owner (FSBO)/Pre-Listing Services
Since you have an emotional attachment to your house, it's often very hard to be objective about it. The professional appraisers at Carol A. Haber will tell you what you need to know -- not just what you want to hear. We are objective. A professional appraisal is a very important 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 buyers. It's something concrete to show your buyer. It's an independent third party's opinion of your home's price, and not just how much you think your house is worth. Interested buyers assume that you have an emotional attachment to your home and will be far more likely to give credibility to a professional appraiser's value assessment than yours.
Need to cancel PMI?
PMI stands for Private Mortgage Insurance. An attractive way to save money for homeowners is getting the PMI removed from their mortgage loan, thus saving them money on their monthly payments. Your monthly payments will go down once your mortgage loan is down below 80% of the value of your house. In most cases you can apply to a lender to have the PMI eliminated from your loan. We are seasoned in helping clients just like you delete unneeded and unwanted PMI insurance.
Challenging a property tax assessment
Your local tax assessor may have your house overvalued if you live in a region that's declining or is not appreciating as much as other properties close to yours. That only means you are paying more taxes than you should. Since your property assessment may likely go up again in the next period, the faster you take care of things like this, the better. When challenging your property tax assessment, getting an appraisal report from Carol A. Haber is your number one weapon.
Was your HELOC recently frozen?
If your property is near a declining area, your lender might choose to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. Not only can this be unsuitable from a cash flow standpoint, but it can be detrimental to your credit score since it may appear as though that credit line is maxed out. Carol A. Haber can help you reinstate your home equity line of credit with a professional appraisal.
We Also Offer Field and Desktop Appraisal Review Services
Have you just been given a copy of your appraisal and you would wish to have a veteran appraiser double-check it for verity or do you need a second opinion without the expense and delay of waiting for a whole new appraisal? Carol A. Haber offers field reviews where we'll go out and check the subject and comps in question. If you need it immediately, we'll provide you with a desk review and verify as many facts as we can using online data sources as well as our own files.
Do you need a retrospective review of an appraisal? Carol A. Haber can We can assist you. Even though this is usually requested by banks, you may wish to make use of this service if you suspect mortgage fraud related to your home.