Attention homeowners in Wilmington and New Castle County: Get an Appraisal today!
Check out the top 7 reasons why Delaware homeowners call on Harmon Management Group:
At Harmon Management Group, we understand the unique needs of a consumer looking for appraisal services. While our usual clients understand the appraisal process and standard reporting formats, you as a consumer will get an extra level of customer service in the form of an explanation of the process and even special consumer-friendly reporting forms if the assignment allows for them.
For Sale by Owner (FSBO)/Pre-Listing ServicesIt's very hard to be objective about your house because of your emotional attachment to it. Our professional appraisers at Harmon Management Group are objective. We won't just tell you what you want to hear, we'll tell you what you need to know. In addition to helping you set a realistic price to sell at so your house will attract buyers, a professional appraisal is a very valuable negotiating tool once you have a potential buyer. It gives you something concrete to show the buyer. The appraisal is an independent third party's opinion of your property's market value, not just you saying how much you think your house is worth. Potential buyers assume that you have an emotional attachment to your house and will be far more likely to give credibility to a qualified appraiser's value conclusion than yours.
Challenging New Castle County's assessment of your propertyLet's say your house is not appreciating as much as other homes close by -- your local tax assessor may have your home overvalued. This means you are probably paying higher taxes than you should be paying. The earlier you take care of a matter like this, the better, since your property assessment may likely go up again in the next period. An expert appraisal from Harmon Management Group is your perfect weapon when contesting your property tax assessment.
PMI Removal AppraisalsA popular way to cut expenses for homeowners is getting the PMI removed 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 is below 80% of the value of your property. In most cases you can apply to your lender to have the PMI removed from your loan. We are seasoned in helping homeowners just like you rid themselves of unwanted and unneeded PMI insurance.
HELOC recently frozen?Your lender might just make the decision to automatically freeze your home equity line of credit (HELOC) if your property is close to a declining area -- even if your specific property has not declined in value. This can be bad for your credit score since it may appear as though that credit line is maxed out, and also troublesome from a cash flow viewpoint. Harmon Management Group 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 added cost and delay of waiting for a whole new appraisal? Or do you desire a seasoned expert to double-check your appraisal for accuracy? In a field review we will go out and check the subject and comps in question. 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.
We can also provide a retrospective review of any appraisal you may have in your possession. Although most appraisal reviews are commissioned by lenders, homeowners that have reason to believe a prior appraisal wasn't above board are wise to get a second opinion.