Attention homeowners in COLONIAL BCH and Westmoreland County: Need an appraisal?

The top seven reasons why Virginia homeowners call on Sandra Wiley:

To get a pre-listing appraisal (whether you're using a real estate agent or selling the home on your own)
Challenge property tax assessments
Remove PMI to lower a mortgage payment
To reinstate their Home Equity Line of Credit (HELOC)
Review a different appraiser's report for verification
In the case of a divorce in the state of Virginia, where property needs to be divided
To determine the true market value of a property to settle an estate in Virginia


	Own a house in or near COLONIAL BCH, Virginia and need help determining the value of it? Contact Sandra Wiley.

We at Sandra Wiley understand the unique needs of a consumer in need of appraisal services. Our typical business clients get the appraisal process and the standard documents we provide. Being a regular homeowner that ordinarily doesn't see an appraisal on a regular basis, we will give you extra guidance and explanations through the appraisal process to understand what we do and how we present the results of our analysis.

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

It's very hard to be objective about your own house because you probably have an emotional attachment to it. Professional appraisers, like the ones at Sandra Wiley, will be objective. We will tell you what you need to know, not just what you want to hear. A professional appraisal is very valuable as a negotiating tool once you have an attainable buyer, in addition to helping you set a realistic price to sell at so your house will attract many interested buyers. It's something concrete to show your buyer. It's an independent third party's opinion of your home's value, and not just how much you think your home is worth. Potential buyers assume that you have an emotional attachment to your house and will be more likely to give credibility to an accomplished appraiser's value estimation than yours.

Challenge Tax Assessment

Your local tax assessor may have your home overvalued if you live in a local area that is declining or not appreciating as much as other houses close to yours. That only means you're probably paying 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. An appraisal report from Sandra Wiley is your best weapon when challenging your property tax assessment.

PMI Removal Appraisals

Getting the PMI (Private Mortgage Insurance) canceled from your mortgage loan is a popular way to save money for homeowners. Once your mortgage loan is down below 80% of the value of your property, in most cases you can apply to a lender to have the PMI removed from your loan, which will make your monthly payments go down. Sandra Wiley is qualified in helping people just like you delete unneeded and unwanted PMI insurance.

Recently got a freeze to your HELOC?

Your lender may just choose to automatically freeze your home equity line of credit (HELOC) if your house is in a declining area -- even if your specific property has not declined in value. This can be difficult and inconvenient from a cash flow point of view, and detrimental to your credit score since it may appear as though that credit line is maxed out. Sandra Wiley can help you reinstate your HELOC.

Need Field and Desktop Appraisal Review Services?

Do you need a veteran appraiser to double-check your appraisal for precision, or do you desire a second opinion without the cost and delay of waiting for a whole new appraisal? An appraiser from Sandra Wiley can go out and check the subject and comps in a field review. Or, if you need it immediately, we can provide you with a 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 had in the past. While usually requested by banks, you may need to employ this service if you suspect mortgage fraud related to your house.