Attention homeowners in Beaver and Beaver County: Need an appraisal?

Here are the top seven reasons Pennsylvania homeowners need TJ appraisals:

  1. To get a pre-listing appraisal (whether you're using a real estate agent or selling the home on your own)
  2. Challenge a property tax assessment
  3. To lower your mortgage payment by removing PMI
  4. Reinstate your Home Equity Line of Credit (or HELOC)
  5. Verify another appraiser's report
  6. In the case of a divorce in the state of Pennsylvania, where property needs to be divided
  7. To determine the true market value of a property to settle an estate
Need help deciding the value of your house in or near Beaver, Pennsylvania? Contact TJ appraisals.

 

At TJ appraisals, we understand the individual needs of a consumer after appraisal services. While our typical clients understand the appraisal process and standard reporting formats, you as a consumer will get extra customer service in the form of an explanation of the process and even special consumer-friendly reporting forms if the assignment allows for them.

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

It's very hard to be objective about your house because you probably have an emotional attachment to it. The professional appraisers at TJ appraisals will tell you what you need to know -- not just what you want to hear. We are objective. A professional appraisal is very crucial 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 tangible to show the buyer. An appraisal is an independent third party's opinion of your property's value -- not just how much you think your house is worth. Potential buyers assume you have an emotional attachment to your house and will be more likely to give credibility to an experienced appraiser's value judgement than yours.

 

Challenge Beaver County's assessment of your property

If you live in an area that is going down or not appreciating as much as other homes close to yours, your local tax assessor may have your house overvalued. This only means you are most likely 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 things like this, the better off you'll be. Getting an expert appraisal from TJ appraisals is your number one weapon when challenging your property tax assessment.

 

Need to remove PMI?

A preferred 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 is below 80% of the value of your home. In most cases you can apply to a lender to have the PMI eliminated from your loan. TJ appraisals is seasoned in helping customers just like you dismiss unnecessary PMI insurance.

HELOC recently frozen?

Even if your specific property has not declined in value, your lender may make the decision to automatically freeze your home equity line of credit (HELOC) if your home is close to a declining area. Not only can this be difficult from a cash flow point of view, but it can be harmful to your credit score since it may appear as though that credit line is maxed out. An efficient appraisal from TJ appraisals can help you reinstate your HELOC.

 

We Provide Field and Desktop Appraisal Review Services

Would you like a second opinion without the charge and delay of waiting for a whole new appraisal? Or do you desire an expert to double-check your appraisal for preciseness? In a field review we'll go out and check the subject and comparables. Or, if you're in a rush, 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 you with a retrospective review of any appraisal you may have had in the past. While usually requested by banks, you may desire to use this service if you suspect mortgage fraud related to your house.

We are licensed to provide appraisal services in Beaver, Allegheny, Mercer and Lawrence Counties.