Attention homeowners in Mt Pleasant and Westmoreland County: Need an appraisal?

Here are the top reasons PA homeowners hire Hovanec Appraisals:

To get a pre-listing appraisal (whether they're selling the home on their own or using a real estate agent)
Challenge property tax assessments
To cut their monthly mortgage payment by removing PMI
To reinstate your Home Equity Line of Credit (HELOC)
To review a different appraiser's report for verification
In the case of a PA divorce, when real estate needs to be divided
Settle an estate in PA by determining the true market value of real estate in question

Own a house in or near Mt Pleasant, PA and need help deciding the value of it?
Contact Hovanec Appraisals.

At Hovanec Appraisals, we understand the individual needs of a customer seeking appraisal services. While our usual business 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

Since you have an emotional attachment to your house, it's often very hard to be objective about it. Our professional appraisers at Hovanec Appraisals are objective. We won't just tell you what you want to hear, we will tell you what you need to know. In addition to helping you set a realistic selling price so your property will attract many interested buyers, a professional appraisal is very valuable as a negotiating tool once you have a potential buyer. It's something concrete to show your buyer. It's an independent third party's opinion of your property's price, and not just you saying how much your home 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 remove PMI

Getting the PMI (Private Mortgage Insurance) canceled from your mortgage loan is a fashionable way to cut costs for homeowners. Your monthly payments will go down once your mortgage loan is less than 80% of the value of your home. In most cases you can apply to the lender to have the PMI removed from your loan. Hovanec Appraisals is qualified in helping people just like you rid themselves of unwanted PMI insurance.

Challenging Westmoreland county's assessment of your property

Your local tax assessor may have your home overvalued if your home is not appreciating as much as other houses nearby. This only means you're going to pay higher taxes than you should be paying. 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 contesting your property tax assessment, getting an expert appraisal from Hovanec Appraisals is your best weapon.

Was your HELOC recently frozen?

Even if your specific property has not declined in value, your lender might just decide to automatically freeze your home equity line of credit (HELOC) if your house is close to a declining area. Not only can this be inopportune 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. Hovanec Appraisals can help you reinstate your home equity line of credit with a professional appraisal.

We Also Provide 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 need a seasoned appraiser to double-check your appraisal for precision? In a field review we will go out and check the subject and comps. Or, if you're 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.

We can also provide a retrospective review of any appraisal report you may have had in the past. Even though this is typically requested by banks, you may want to make use of this service if you suspect mortgage fraud related to your home.