Real estate appraisal services for homeowners in the city of Upper Saint Clair and Allegheny County
The top 7 reasons why Pennsylvania homeowners hire Daniel J. Smith Appraisals:
We at Daniel J. Smith Appraisals understand the unique needs of a consumer in need of appraisal services. While our usual business clients understand the appraisal process and standard reporting formats, you as a consumer will get extra 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 (FSBO)Since you have an emotional attachment to your house, it's often very hard to be objective about it. The professional appraisers at Daniel J. Smith Appraisals 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 selling price so your home will attract buyers, a professional appraisal is very important as a negotiating tool once you have a potential buyer. It gives you something tangible to show the buyer. The appraisal is an independent third party's opinion of your property's market value, not just you saying how much you think your home is worth. Interested buyers assume you have an emotional attachment to your home and will be more likely to give credibility to an accomplished appraiser's value opinion than yours.
Challenge Allegheny County's assessment of your propertyYour local tax assessor may have your house overvalued if your home not appreciating as much as other properties nearby. This only means you are going to pay higher taxes than you should be paying. The faster you take care of a matter like this, the better off you'll be, since your property assessment may likely go up again in the next period. An appraisal from Daniel J. Smith Appraisals is your #1 weapon when contesting your property tax assessment.
Need to cancel PMI?Getting the PMI (Private Mortgage Insurance) removed from your mortgage loan is a fashionable way to save money for homeowners. Your monthly payments will go down 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 canceled from your loan. Daniel J. Smith Appraisals is qualified in helping customers just like you do away with unneeded PMI insurance.
Recently got a freeze to your HELOC?Even if your specific property has not declined in value, your lender may just decide to automatically freeze your home equity line of credit (HELOC) if your property is in or near a declining area. This can be damaging to your credit score since it may appear as though that credit line is maxed out, and also unsuitable from a cash flow point of view. Daniel J. Smith Appraisals can provide you with an expert appraisal to help you reinstate your HELOC.
Field and Desktop Appraisal Review ServicesWould you prefer a second opinion without the charge and delay of waiting for a whole new appraisal? Or do you need a seasoned professional to double-check your appraisal for verity? In a field review we will go out and check the subject and comps in question. If you're in a hurry, we'll 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 in your possession. While usually requested by banks, you may need to take advantage of this service if you suspect mortgage fraud related to your home.