Attention homeowners in Huntington and Wayne County: Need an appraisal?

Check out the top seven reasons WV homeowners order from Smith Appraisals:

To get a pre-listing appraisal (whether you're using an agent or selling the home on your own)
Challenge a property tax assessment
To lower a monthly mortgage payment by removing PMI
Reinstate your Home Equity Line of Credit (or HELOC)
Review another appraiser's report for verification
If real estate property needs to be divided because of a divorce
To determine the true market value of property in question to settle an estate

Need help deciding the value of your house in or near Huntington, WV?
Contact Smith Appraisals.

At Smith Appraisals, we understand the individual needs of a consumer after appraisal services. Our regular business clients understand the appraisal process and the customary "products" we deliver to them. But as a consumer,you'll receive extra guidance and explanations through the appraisal process to more fully understand what we do and how we report the results of our analysis.

For Sale By Owner/Pre-Listing Services

It's very hard to be objective about your own home because you most likely have an emotional attachment to it. The professional appraisers at Smith Appraisals will tell you what you need to know -- not just what you want to hear. We are objective. In addition to helping you set a realistic selling price so your home will attract interested buyers, a professional appraisal is a very valuable negotiating tool once you have a likely buyer. The appraisal is something tangible to show your buyer. The appraisal is an independent third party's opinion of your home's value, not just you saying how much your home is worth. Interested buyers know you have an emotional attachment to your home and will be more likely to give credibility to a professional appraiser's value assessment than yours.

Appraisals to remove PMI

Getting the PMI (Private Mortgage Insurance) eliminated from your mortgage loan is a popular way to save money for homeowners. Your monthly payments will go down once your mortgage loan is down below 80% of the value of your property. In most cases you can apply to your lender to have the PMI eliminated from your loan. At Smith Appraisals, we're seasoned in helping folks just like you rid yourselves of unneeded and unwanted PMI insurance.

Challenge property tax assessments

Lets say you live in a region that is going down -- your local tax assessor may have your house overvalued. This only means you are probably paying higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the quicker you take care of a matter like this, the better. An appraisal report from Smith Appraisals is your number one weapon when challenging your property tax assessment.

Recently got a freeze your HELOC?

If your house is in or near a declining area, your lender may just decide to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can be be bad for your credit score since it may appear as though that credit line is maxed out, and also annoying from a cash flow angle. An expert appraisal from Smith Appraisals can help you reinstate your HELOC.

We Also Provide Field and Desktop Appraisal Review Services

Do you need an expert to double-check your appraisal for precision, or do you desire a second opinion without the expense and delay of waiting for a whole new appraisal? We can go out and check the subject and comparables in question 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.

Do you need a retrospective review of an appraisal report? Smith Appraisals can help you with that. While typically requested by banks, you may want to employ this service if you suspect mortgage fraud related to your property.