Real estate appraisal services for homeowners in the city of Saint Albans and Kanawha County

Here are the top 7 reasons WV homeowners need Scott Appraisal Service:

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

Own a house in or near Saint Albans, WV and need help deciding the price of it?
Contact Scott Appraisal Service.

We at Scott Appraisal Service understand the special needs of a customer in need of appraisal services. Our regular business clients understand the appraisal process and the standard documents we provide. As our client, you can expect extra guidance and explanations through the appraisal process to better understand what we do and how we present our findings.

For-Sale-By-Owner (FSBO) / Pre-Listing Services

It's very hard to be objective about your own house because you most likely have an emotional attachment to it. Professional appraisers, like the ones at Scott Appraisal Service, will be objective. We'll tell you what you need to know, not just what you want to hear. In addition to helping you set a realistic price to sell at so your home will attract buyers, a professional appraisal is very crucial as a negotiating tool once you have an attainable buyer. It gives you something tangible to show the buyer. An appraisal is an independent third party's opinion of your property's price -- not just how much your house is worth. Interested buyers know that you have an emotional attachment to your home and will be far more likely to give credibility to an accomplished appraiser's value estimation than yours.

Appraisals to cancel PMI

PMI stands for Private Mortgage Insurance. A fashionable way to cut expenses for homeowners is getting the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan amount is down below 80% of the value of your property, in most cases you can apply to the lender to have the PMI removed from your loan, which will make your monthly payments go down. Scott Appraisal Service is qualified in helping people just like you get rid of unnecessary PMI insurance.

Challenge Kanawha county's assessment of your property

Lets say you live in a local area that is declining -- your local tax assessor may have your home overvalued. This only means you're probably paying higher taxes than you should be paying. The earlier 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. When contesting your property tax assessment, getting an appraisal from Scott Appraisal Service is your perfect weapon.

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 inconvenient from a cash flow point of view, but it can be destructive to your credit score since it may appear as though that credit line is maxed out. An expert appraisal from Scott Appraisal Service can help you reinstate your HELOC.

Field and Desktop Appraisal Review Services

Have you just accepted a copy of your appraisal and you'd like to have a professional double-check it for efficiency or do you want a second opinion without the added cost and delay of waiting for a whole new appraisal? We can go out and check the subject and comps in a field review. Or, if you're in a hurry, 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.

Need a retrospective review of an appraisal? We can We can assist you Even though this is usually requested by banks, you may want to exercise this service if you suspect mortgage fraud related to your property.