Attention homeowners in Fredericksburg Virginia and the surrounding areas: Need an appraisal?

Here are the top 7 reasons why Virginia homeowners order from Christopher C. Call:

  1. Pre-listing appraisals (whether they're selling the home on their own or using a real estate agent)
  2. Challenge the County's assessment of your property
  3. To lower a monthly mortgage payment by removing PMI
  4. Reinstate your Home Equity Line of Credit (or HELOC)
  5. Verify a different appraiser's report
  6. If property needs to be divided because of a divorce
  7. Settle an estate in Virginia by determining the true market value of real estate
Do you own a house in or near Fredericksburg? Do you need help deciding the price of your real estate? Contact Christopher C. Call.


I understand the unique needs of a homeowner looking for appraisal services. While our typical business clients understand the appraisal process and standard reporting formats, you as a consumer will get extra service in the form of an explanation of the process and even special consumer-friendly reporting forms if the assignment allows for them.

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

Since you have an emotional attachment to your own house, it's often very hard to be objective about it. A professional appraiser will tell you what you need to know -- not just what you want to hear. We are objective. In addition to helping you set a realistic price to sell at so your house will attract interested buyers, a professional appraisal is very crucial 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 house's value, and not just how much you think your home is worth. Interested buyers know that you have an emotional attachment to your house and will be much more likely to give credibility to a qualified appraiser's value estimation than yours.


Challenge Tax Assessment

If you live in an area that is declining or is not appreciating as much as other houses close to yours, your local tax assessor may have your house overvalued. This 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 earlier you take care of a matter like this, the better off you'll be. A professional appraisal is your strongest weapon when contesting your property tax assessment.


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 amount is less than 80% of the value of your home. In most cases you can apply to a lender to have the PMI removed from your loan. 

Was your HELOC recently frozen?

If your house is in a declining area, your lender may just make the decision to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can be unfavorable to your credit score since it may appear as though that credit line is maxed out, and also difficult and inconvenient from a cash flow point of view. An efficient appraisal can help you reinstate your HELOC.


Do You Need Field and Desktop Appraisal Review Services?

Have you just been handed a copy of your appraisal and you would like to have a seasoned professional double-check it for precision or do you need a second opinion without the cost and delay of waiting for a whole new appraisal? I offer field reviews where I'll go out and check the subject and comparables in question. If you need it in a rush, I'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.

Do you need a retrospective review of an appraisal report? Ican help you with that. Although most review work is requested by lenders, homeowners that have reason to believe a prior appraisal wasn't above board are wise to get a second opinion.