Need an appraisal in Butler or Butler County?
The top seven reasons why Pennsylvania homeowners need Champagne Appraisal Services:
At Champagne Appraisal Services, we understand the special needs of a customer in need of appraisal services. The appraisal process and reporting formats are familiar to our business clients like banks, lawyers, and CPAs. Being a regular consumer that ordinarily doesn't look at appraisals every day, you'll receive extra guidance and explanations through the appraisal process to more fully understand what we do and how we document 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. Professional appraisers, like the ones at Champagne Appraisal Services, are objective. We'll tell you what you need to know, not just what you want to hear. In addition to helping you set a realistic selling price so your property will attract buyers, a professional appraisal is a crucial negotiating tool once you have an attainable buyer. The appraisal is something concrete to show the buyer. The appraisal is an independent third party's opinion of your house's value, not just how much your home is worth. Potential buyers know that you have an emotional attachment to your home and will be much more likely to give credibility to an experienced appraiser's value report than yours.
Challenging property tax assessmentsYour local tax assessor may have your house overvalued if you live in a region that's going down. This means you're going to pay higher taxes than you should be paying. The sooner you take care of things like this, the better off you'll be, since your property assessment may likely go up again in the next period. When contesting your property tax assessment, getting a professional appraisal from Champagne Appraisal Services is your strongest weapon.
Need to cancel PMI?An attractive way to save money for homeowners is to get the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Your monthly payments will go down once your mortgage loan amount is below 80% of the value of your house. In most cases you can apply to the lender to have the PMI removed from your loan. At Champagne Appraisal Services, we're experts in helping customers just like you remove unwanted PMI insurance.
Was your HELOC recently frozen?Even if your specific property has not declined in value, your lender may just choose to automatically freeze your home equity line of credit (HELOC) if your home is in a declining area. This can be annoying from a cash flow standpoint, and detrimental to your credit score since it may appear as though that credit line is maxed out. Champagne Appraisal Services can provide you with an expert appraisal to help you reinstate your HELOC.
Need Field and Desktop Appraisal Review Services?Would you like a second opinion without the cost and delay of waiting for a whole new appraisal? Or do you desire a veteran appraiser to double-check your appraisal for preciseness? We can go out and check the subject and comparables in question in a field review. If you need it ASAP, we'll 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. While usually requested by banks, you may want to utilize this service if you suspect mortgage fraud related to your home.