Attention homeowners in Colchester and Chittenden County: Need an appraisal?

Here are the top seven reasons Vermont homeowners call on Andrea's Appraisal Services:

Find the right listing price (whether you're using a real estate agent or selling the home on your own)
Challenge Chittenden County's assessment of your property
To lower their monthly mortgage payment by removing PMI
To reinstate their Home Equity Line of Credit (HELOC)
Review another appraiser's report for verification
In the case of a divorce in the state of Vermont, where real estate needs to be divided
To settle an estate in Chittenden county or Vermont by determining the true market value of the property in question


	Do you own a house in or near Colchester? Do you need help deciding the price of your real estate? Contact Andrea's Appraisal Services.

We at Andrea's Appraisal Services understand the special needs of a homeowner in need of appraisal services. While our usual clients understand the appraisal process and standard reporting formats, you as a consumer will get an extra level of 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)

Since you have an emotional attachment to your own house, it's often very hard to be objective about it. Professional appraisers, like the ones at Andrea's Appraisal Services, are objective. We will tell you what you need to know, not just what you want to hear. A professional appraisal is a very valuable negotiating tool once you have an interested buyer, in addition to helping you set a realistic selling price so your property will attract many interested buyers. The appraisal is something tangible to show the buyer. The appraisal is an independent third party's opinion of your property's value, 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 expert appraiser's value report than yours.

Challenge property tax assessments

Let's say you live in an area that is declining -- your local tax assessor may have your home overvalued. That only means you are most likely 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 a matter like this, the better. When contesting your property tax assessment, getting an appraisal from Andrea's Appraisal Services is your number one weapon.

Need to cancel PMI?

PMI stands for Private Mortgage Insurance. An attractive way to cut expenses for homeowners is to get the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan amount is below 80% of the value of your home, in most cases you can apply to the lender to have the PMI canceled from your loan, which will make your monthly payments go down. We're experts in helping people just like you delete undesirable PMI insurance.

Recently got a freeze to your HELOC?

If your property is in or near a declining area, your lender may decide to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can be difficult from a cash flow point of view, and damaging to your credit score since it may appear as though that credit line is maxed out. Andrea's Appraisal Services can help you reinstate your HELOC.

Need Field and Desktop Appraisal Review Services?

Have you just been given a copy of your appraisal and you would prefer to have a professional double-check it for verity or do you need a second opinion without the charge and delay of waiting for a whole new appraisal? An appraiser from Andrea's Appraisal Services can go out and check the subject and comps in a field review. If you're in a rush, 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.

We can also provide a retrospective review of any appraisal you may have in your possession. Even though most appraisal reviews are requested by lenders, homeowners that have reason to believe a prior appraisal wasn't above board are wise to invest in a second opinion.