Need an appraisal in Malvern or Chester County?
The top 7 reasons why PA homeowners hire ACI Appraisal Services:
Own a house in or near Malvern, PA and need help determining the value of it?
We at ACI Appraisal Services understand the particular needs of a customer in need of appraisal services. Our business practices and reporting formats are relatively routine to our business clients like banks, lawyers, and CPAs. But as a general consumer,you will receive extra guidance and explanations through the appraisal process to better understand what we do and how we document our conclusions.
For Sale By Owner/Pre-Listing Services
It's very hard to be objective about your home because you most likely have an emotional attachment to it. The professional appraisers at ACI Appraisal Services will tell you what you need to know -- not just what you want to hear. We are objective. A professional appraisal is a crucial negotiating tool once you have an attainable buyer, in addition to helping you set a realistic selling price so your property will attract interested buyers. The appraisal is something tangible to show your buyer. The appraisal is an independent third party's opinion of your home's price, not just how much you think your home is worth. Interested buyers assume that you have an emotional attachment to your house and will be much more likely to give credibility to a professional appraiser's value conclusion than yours.
Need to remove PMI?
PMI stands for Private Mortgage Insurance. A fashionable money saver for homeowners is getting the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. Your monthly payments will go down once your mortgage loan amount is down below 80% of the value of your home. In most cases you can apply to a lender to have the PMI canceled from your loan. At ACI Appraisal Services, we're veterans in helping clients just like you rid themselves of unwanted and unneeded PMI insurance.
Challenge Tax Assessment
Lets say you live in a region that is going down -- your local tax assessor may have your home overvalued. That only means you are paying more taxes than you should. Since your property assessment may likely go up again in the next period, the faster you take care of a matter like this, the better. When contesting your property tax assessment, getting an appraisal report from ACI Appraisal Services is your best weapon.
Recently got a freeze your HELOC?
Even if your specific property has not declined in value, your lender just may choose to automatically freeze your home equity line of credit (HELOC) if your property is in a declining area. This can be be negative on your credit score since it may appear as though that credit line is maxed out, and also unsuitable from a cash flow point of view. ACI Appraisal Services can provide you with efficient appraisal that will help you reinstate your HELOC.
Field and Desktop Appraisal Review Services
Do you need an expert to double-check your appraisal for verity, or do you desire a second opinion without the added cost and delay of waiting for a whole new appraisal? In a field review we will go out and check the subject and comparables. If you need it immediately, we'll provide you with a desk review and verify as many facts as we can using online data sources as well as our own files.
Need a retrospective review of an appraisal? We can help you with that Even though this is typically requested by banks, you may wish to utilize this service if you suspect mortgage fraud related to your house.