We offer the following residential services.
Mortage Loan Collateral Valuation
Whether you are purchasing a new home, refinancing your current property or applying for a home equity line of credit, you are more than likely going to need an appraisal. We work with a number of local and out of town lenders as well as AMCs in order to assist with appraisal needs for mortgage finance transactions.
Replacement Cost for Insurance Purposes
Cost valuation can be important for many reasons. Perhaps you feel like you do not have enough insurance coverage and would like to make sure the improvements are valued properly, considering an addition to your home, or have experiences a natural disaster. We work closely with local builders and have access to national valuation guides to insure actual replacement cost is met.
Valuation for Listing/Sale
Thinking of selling your home and want to get an idea of what it is worth? We can provide you with a fair market value appraisal using the most recent comparable sales and considering the most relevant active listings to establish the most probable price in which your home can sell? We work with many local Realtors to assist in this process as well as home owners.
Pre-Storm appraisals, Retro-Review appraisals, Date of Death Appraisals, Date of Separation Appraisals are a few retro products we offer. A retro appraisal is going back in time to a specific date to establish market value.
Equitable Distribution Disputes
We work directly with attorneys in order to provide a fair appraisal for divorce proceedings.
Planning for the future? Often the appraiser can assist an attorney in structuring an estate plan that will maximize the tax benefits for the client by providing the attorney with strictly a “value” point of view. The appraisal can provide a benchmark of value for a piece of real estate so that subsequent appraisals will illustrate the growth (or decline) in value.
With FHA financing products growing in popularity, we are certified to complete FHA appraisals in accordance with current HUD guidelines. Lenders offer FHA loans at attractive interest rates and with less stringent and more flexible qualification requirements.