Real estate appraisal services for homeowners in the city of Richmond and Henrico County

The top seven reasons why VA homeowners call on Harley Appraisals:

  1. Pre-listing appraisals (whether you're using an agent or selling the home on your own)
  2. Challenge property tax assessments
  3. Remove PMI to reduce a mortgage payment
  4. Reinstate their Home Equity Line of Credit (or HELOC)
  5. Review a different appraiser's report for verification
  6. In the case of a VA divorce, where property needs to be divided
  7. To settle an estate in Henrico county or VA by determining the true market value of real estate in question

Do you own a house in or near Richmond? Do you need help determining the price of your real estate?
Contact Harley Appraisals.

We at Harley Appraisals understand the unique needs of a customer looking for appraisal services. Our business practices and reporting formats are relatively routine to our business clients like banks, attorneys, and CPAs. Being a consumer that most likely doesn't see an appraisal on a regular basis,we will provide you with extra guidance and explanations through the appraisal process to understand what we do and how we report our conclusions.

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

Since you have an emotional attachment to your house, it's often very hard to be objective about it. The professional appraisers at Harley Appraisals will tell you what you need to know -- not just what you want to hear. We are objective. A professional appraisal is very crucial as a negotiating tool once you have a potential buyer, in addition to helping you set a realistic selling price so your home will attract interested buyers. The appraisal is something tangible to show the buyer. It's an independent third party's opinion of your property's price, and not just you saying how much you think your home is worth. Interested buyers know you have an emotional attachment to your home and will be much more likely to give credibility to a seasoned appraiser's value report than yours.

PMI Removal Appraisals

PMI stands for Private Mortgage Insurance. A popular way to cut costs for homeowners is getting the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan is below 80% of the value of your property, in most cases you can apply to a lender to have the PMI removed from your loan, which will make your monthly payments go down. We're qualified in helping people just like you dismiss unneeded PMI insurance.

Challenging property tax assessments

Your local tax assessor may have your house overvalued if you live in a local area that is declining or is not appreciating as much as other homes close by. That means you are probably paying more taxes than you should. The faster you take care of things like this, the better off you'll be, since your property assessment may likely go up again in the next period. Getting a professional appraisal from Harley Appraisals is your number one weapon when challenging your property tax assessment.

Recently got a freeze your HELOC?

Even if your specific property has not declined in value, your lender may just make the decision to automatically freeze your home equity line of credit (HELOC) if your house is in or near a declining area. Not only can this be troublesome from a cash flow angle, but it can be harmful to your credit score since it may appear as though that credit line is maxed out. Harley Appraisals can provide you with an expert appraisal that will help you reinstate your home equity line of credit.

We Also Offer Field and Desktop Appraisal Review Services

Have you just been given a copy of your appraisal and you would prefer to have a seasoned appraiser double-check it for verity or do you desire a second opinion without the cost and delay of waiting for a whole new appraisal? We can go out and check the subject and comparables in a field review. 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.

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