Real estate appraisal services for homeowners in the city of Harrisburg and Dauphin County
The top reasons Pennsylvania homeowners call on Robert Ensminger Appraisers & Ensminger Auctioneers:
At Robert Ensminger Appraisers & Ensminger Auctioneers, we understand the unique needs of a customer looking for appraisal services. Our typical business clients get the appraisal process and the customary documents we provide. As our client, you can expect extra guidance and explanations through the appraisal process to more clearly understand what we do and how we report our findings.
For-Sale-by-Owner (FSBO) / Pre-Listing ServicesIt's very hard to be objective about your own house because you most likely have an emotional attachment to it. Our professional appraisers at Robert Ensminger Appraisers & Ensminger Auctioneers are objective. We won't just tell you what you want to hear, we'll tell you what you need to know. A professional appraisal is a very valuable negotiating tool once you have an attainable buyer, in addition to helping you set a realistic selling price so your house will attract many interested buyers. It gives you something tangible to show your buyer. The appraisal is an independent third party's opinion of your home's value, not just you saying how much you think your home is worth. Potential buyers assume that you have an emotional attachment to your house and will be much more likely to give credibility to a seasoned appraiser's value conclusion than yours.
Challenging property tax assessmentsYour local tax assessor may have your home overvalued if you live in a local area that is going down. That only means you're most likely paying more taxes than you should. The quicker you take care of things like this, the better, since your property assessment may likely go up again in the next period. An expert appraisal from Robert Ensminger Appraisers & Ensminger Auctioneers is your best weapon when challenging your property tax assessment.
PMI Removal AppraisalsGetting the PMI (Private Mortgage Insurance) canceled from your mortgage loan is a preferred way to cut expenses for homeowners. Your monthly payments will go down once your mortgage loan is down below 80% of the value of your property. In most cases you can apply to your lender to have the PMI eliminated from your loan. At Robert Ensminger Appraisers & Ensminger Auctioneers, we're qualified in helping customers just like you get rid of undesirable PMI insurance.
Recently got a freeze to your HELOC?Your lender may make the decision to automatically freeze your home equity line of credit (HELOC) if your property is in a declining area -- even if your specific property has not declined in value. This can be difficult and inconvenient from a cash flow angle, and damaging to your credit score since it may appear as though that credit line is maxed out. Robert Ensminger Appraisers & Ensminger Auctioneers can provide you with efficient appraisal to help you reinstate your HELOC.
Field and Desktop Appraisal Review ServicesDo you need a seasoned expert to double-check your appraisal for precision, or do you need a second opinion without the charge and delay of waiting for a whole new appraisal? We can go out and check the subject and comparables in question in a field review. If you need it immediately, we'll 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? We can help with that too. Although most appraisal reviews are commissioned by lenders, homeowners that have reason to believe a prior appraisal wasn't above board are wise to invest in a second opinion.