Attention homeowners: Real estate appraisal services for in Charlottesville and Waynesboro City County

Here are the top seven reasons VA homeowners need Sarah Watts:

  1. Find the right listing price (whether they're selling the home themselves or using an agent)
  2. Challenge a property tax assessment
  3. To cut a monthly mortgage payment by removing PMI
  4. To reinstate your Home Equity Line of Credit (or HELOC)
  5. To review another appraiser's report for verification
  6. In the case of a VA divorce, where property needs to be divided
  7. Settle an estate in VA by determining the true market value of property in question

Do you own a house in or near Charlottesville? Do you need help determining the price of your real estate?
Contact Sarah Watts.

We at Sarah Watts understand the special needs of a customer in need of appraisal services. While our typical business clients understand the appraisal process and standard reporting formats, you as a consumer will get extra 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 Sarah Watts will tell you what you need to know -- not just what you want to hear. We are objective. In addition to helping you set a realistic selling price so your property will attract many interested buyers, a professional appraisal is very important as a negotiating tool once you have an attainable buyer. It gives you something tangible to show your buyer. It's an independent third party's opinion of your house's price, and not just you saying how much 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 accomplished appraiser's value judgement than yours.

PMI Removal Appraisals

PMI stands for Private Mortgage Insurance. An attractive money saver for homeowners is to get the PMI removed from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan is less than 80% of the value of your house, in most cases you can apply to your lender to have the PMI eliminated from your loan, which will make your monthly payments go down. We are seasoned in helping consumers just like you dismiss unnecessary PMI insurance.

Challenging Waynesboro City county's assessment of your property

If you live in a local area that is declining or not appreciating as much as other homes nearby, your local tax assessor may have your home overvalued. This means you're paying higher taxes than you should be paying. The sooner you take care of a matter like this, the better off you'll be, since your property assessment may likely go up again in the next period. A professional appraisal from Sarah Watts is your strongest weapon when contesting your property tax assessment.

HELOC recently frozen?

If your house is in or near a declining area, your lender might just make the decision to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. Not only can this be disadvantageous from a cash flow standpoint, but it can be unfavorable to your credit score since it may appear as though that credit line is maxed out. Sarah Watts can help you reinstate your HELOC.

Do You Need Field and Desktop Appraisal Review Services?

Would you prefer a second opinion without the charge and delay of waiting for a whole new appraisal? Or do you desire a professional to double-check your appraisal for precision? We can go out and check the subject and comps in question in a field review. If you're in a hurry, 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 report? We can help you with that Even though this is typically requested by banks, you may wish to take advantage of this service if you suspect mortgage fraud related to your house.