Attention homeowners in Perkasie and Bucks County: Need an appraisal?

Here are the top 7 reasons PA homeowners use James W Valentine:

  1. Get a pre-listing appraisal (whether they're selling the home on their own or using a real estate agent)
  2. To challenge a PA property tax assessment
  3. Remove PMI to lower your mortgage payments
  4. To reinstate your Home Equity Line of Credit (HELOC)
  5. To review another appraiser's report for verification
  6. In the case of a PA divorce, when real estate needs to be divided
  7. Determine the true market value of real estate in question to settle an estate in Bucks county or PA

Own a house in or near Perkasie, PA and need help deciding the price of it?
Contact James W Valentine.

At James W Valentine, we understand the special needs of a customer looking for appraisal services. Our customary business clients understand the appraisal process and the usual documents we provide. Being a person not in the real estate business that probably doesn't see an appraisal on a regular basis,we will provide you with extra guidance and explanations through the appraisal process to more fully understand what we do and how we present our conclusions.

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

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

Need to cancel PMI?

PMI stands for Private Mortgage Insurance. A fashionable way to cut costs for homeowners is getting the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan is less than 80% of the value of your property, in most cases you can apply to a lender to have the PMI canceled from your loan, which will make your monthly payments go down. We are experienced in helping folks just like you get rid of unnecessary PMI insurance.

Challenge property tax assessments

Lets say your home is not appreciating as much as other properties close by -- your local tax assessor may have your house 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 earlier you take care of things like this, the better off you'll be. When challenging your property tax assessment, getting a professional appraisal from James W Valentine is your chief weapon.

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 or near a declining area. This can be be unfavorable to your credit score since it may appear as though that credit line is maxed out, and also annoying from a cash flow standpoint. James W Valentine can help you reinstate your home equity line of credit with efficient appraisal.

We Also Offer Field and Desktop Appraisal Review Services

Do you need a professional to double-check your appraisal for efficiency, or do you need a second opinion without the expense and delay of waiting for a whole new appraisal? James W Valentine offers field reviews where we go out and check the subject and comps. Or, if you need it immediately, we can 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 a retrospective review of any appraisal report you may have had in the past. While usually requested by banks, you may need to exercise this service if you suspect mortgage fraud related to your house.