Attention homeowners in Middletown and Dauphin County: Need an appraisal?

Check out the top seven reasons PA homeowners order from Linda Mehaffie Appraisals:

Pre-listing appraisals (whether you're using a real estate agent or selling the home on your own)
Challenge a property tax assessment
To lower a monthly mortgage payment by removing PMI
To reinstate their Home Equity Line of Credit (HELOC)
To review a different appraiser's report for verification
If real estate property needs to be divided because of a divorce
To settle an estate in PA by determining the true market value of real estate in question

Do you own a house in or near Middletown? Do you need help deciding the value of your real estate?
Contact Linda Mehaffie Appraisals.

We at Linda Mehaffie Appraisals understand the particular needs of a consumer looking for appraisal services. The appraisal process and reporting formats are familiar to our business clients like banks, lawyers, and CPAs. But as a consumer,you'll receive extra guidance and explanations through the appraisal process to understand what we do and how we document our findings.

For Sale By Owner/Pre-Listing Services

Since you have an emotional attachment to your house, it's often very hard to be objective about it. A professional appraiser is objective and will tell you what you need to know, not just what you want to hear. A professional appraisal is very important as a negotiating tool once you have a potential buyer, in addition to helping you set a realistic selling price so your property will attract buyers. The appraisal is something concrete to show your buyer. It's an independent third party's opinion of your property's price, and not just how much you think your house is worth. Potential buyers know that you have an emotional attachment to your house and will be more likely to give credibility to a professional appraiser's value estimation than yours.

Appraisals to cancel PMI

An attractive way to cut expenses for homeowners is to get the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Once your mortgage loan is down below 80% of the value of your house, in most cases you can apply to a lender to have the PMI eliminated from your loan, which will make your monthly payments go down. We are veterans in helping consumers just like you rid themselves of undesirable PMI insurance.

Challenging a property tax assessment

Your local tax assessor may have your house overvalued if you live in a local area that's declining or not appreciating as much as other homes close to yours. 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 off you'll be. When challenging your property tax assessment, getting an expert appraisal from Linda Mehaffie Appraisals is your strongest weapon.

HELOC recently frozen?

Even if your specific property has not declined in value, your lender may decide to automatically freeze your home equity line of credit (HELOC) if your house is close to a declining area. This can this be difficult and inconvenient from a cash flow viewpoint, and damaging to your credit score since it may appear as though that credit line is maxed out. Linda Mehaffie Appraisals can help you reinstate your HELOC.

We Also Provide Field and Desktop Appraisal Review Services

Have you just accepted a copy of your appraisal and you'd like to have a seasoned professional double-check it for preciseness or do you want a second opinion without the expense and delay of waiting for a whole new appraisal? In a field review we will go out and check the subject and comps in question. Or, if you need it 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.

Do you need a retrospective review of an appraisal report? Linda Mehaffie Appraisals can help with that too. While usually requested by banks, you may want to make use of this service if you suspect mortgage fraud related to your house.