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

See the top seven reasons VA homeowners need Murray Appraisal Services:

Pre-listing appraisals (whether they're selling the home on their own or using an agent)
Challenge Spotsylvania county's assessment of your property
To lower their monthly mortgage payment by removing PMI
Reinstate their Home Equity Line of Credit (or HELOC)
Verify another appraiser's report
If real estate needs to be divided because of a divorce
Determine the true market value of property in question to settle an estate in Spotsylvania county or VA

Do you own a house in or near Spotsylvania? Do you need help determining the value of your real estate?
Contact Murray Appraisal Services.

We at Murray Appraisal Services understand the individual needs of a customer in need of appraisal services. Our customary business clients are used to the appraisal process and the standard documents we provide. But as a consumer,we'll be sure you get extra guidance and explanations through the appraisal process to understand what we do and how we report our findings.

Pre-listing Services/For Sale By Owner

Since you have an emotional attachment to your own home, it's often very hard to be objective about it. Professional appraisers, like the ones at Murray Appraisal Services, will be objective. We will tell you what you need to know, not just what you want to hear. A professional appraisal is very crucial as a negotiating tool once you have an interested buyer, in addition to helping you set a realistic price to sell at so your house will attract many interested buyers. It's something tangible 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. Potential buyers know you have an emotional attachment to your house and will be more likely to give credibility to an expert appraiser's value conclusion than yours.

Appraisals to remove PMI

PMI stands for Private Mortgage Insurance. An attractive way to cut costs for homeowners is to get the PMI removed from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan is less than 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 veterans in helping people just like you do away with unneeded and unwanted PMI insurance.

Challenge property tax assessments

Your local tax assessor may have your house overvalued if you live in an area that is going down. This means you are going to pay higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the quicker you take care of things like this, the better. When challenging your property tax assessment, getting an expert appraisal from Murray Appraisal Services is your chief weapon.

Was your HELOC recently frozen?

If your property is near a declining area, your lender just might 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 be detrimental to your credit score since it may appear as though that credit line is maxed out, and also disadvantageous from a cash flow point of view. Murray Appraisal Services can help you reinstate your HELOC.

We Provide Field and Desktop Appraisal Review Services

Do you need a seasoned appraiser to double-check your appraisal for preciseness, or do you need a second opinion without the added cost and delay of waiting for a whole new appraisal? We can go out and check the subject and comps 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.

Need a retrospective review of an appraisal? We can help you with that While typically requested by banks, you may want to make use of this service if you suspect mortgage fraud related to your house.