Need an appraisal in Virginia Beach or Virginia Beach City County?

The top seven reasons VA homeowners order from Fine Valuations:

To get a pre-listing appraisal (whether they're selling the home on their own or using an agent)
To challenge a VA property tax assessment
To lower your mortgage payments by removing PMI
Reinstate your Home Equity Line of Credit (or HELOC)
Review another appraiser's report for verification
If real estate needs to be divided because of a divorce
To determine the true market value of property in question to settle an estate in Virginia Beach City County or the state of VA

Own a house in or near Virginia Beach, VA and need help deciding the value of it?
Contact Fine Valuations.

We at Fine Valuations understand the special needs of a homeowner in need of appraisal services. The appraisal process and reporting formats are relatively routine to our business clients like lenders, attorneys, and accountants. Being a regular consumer that most likely doesn't look at appraisals every day,we'll be sure you get extra guidance and explanations through the appraisal process to more fully understand what we do and how we document our findings.

Pre-listing Services/For Sale By Owner

It's very hard to be objective about your home because of your emotional attachment to it. A professional appraiser is objective and will tell you what you need to know, not just what you want to hear. A professional appraisal is a crucial negotiating tool once you have a potential buyer, in addition to helping you set a realistic selling price so your house will attract buyers. It gives you something tangible to show your buyer. It's an independent third party's opinion of your home's value, and not just you saying how much you think your house is worth. Potential buyers know you have an emotional attachment to your house and will be much more likely to give credibility to a qualified appraiser's value report than yours.

Need to cancel PMI?

PMI stands for Private Mortgage Insurance. A popular money saver for homeowners is getting the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. Your monthly payments will go down once your mortgage loan amount is down below 80% of the value of your home. In most cases you can apply to the lender to have the PMI removed from your loan. We're experienced in helping folks just like you dismiss unwanted and unneeded PMI insurance.

Challenging property tax assessments

If you live in a local area that is going down or not appreciating as much as other homes nearby, your local tax assessor may have your home overvalued. This only means you're probably paying higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the sooner you take care of a matter like this, the better. When challenging your property tax assessment, getting an expert appraisal from Fine Valuations is your strongest weapon.

HELOC recently frozen?

Even if your specific property has not declined in value, your lender may choose to automatically freeze your home equity line of credit (HELOC) if your home is close to a declining area. This can be be bad for your credit score since it may appear as though that credit line is maxed out, and also inconvenient from a cash flow viewpoint. Fine Valuations can help you reinstate your home equity line of credit with efficient appraisal.

We Also Provide Field and Desktop Appraisal Review Services

Have you just accepted a copy of your appraisal and you'd wish to have a seasoned expert double-check it for precision or do you want a second opinion without the charge and delay of waiting for a whole new appraisal? An appraiser from Fine Valuations can go out and check the subject and comps in question in a field review. Or, if you need it ASAP, 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 you with a a retrospective review of any appraisal report you may have in your possession. While typically requested by banks, you may wish to use this service if you suspect mortgage fraud related to your house.