Real estate appraisal services for homeowners in the city of St Johnsbury and Caledonia County

Check out the top reasons VT homeowners call on Record Appraisal Service:

  1. Get a pre-listing appraisal (whether you're using an agent or selling the home on your own)
  2. Challenge Caledonia county's assessment of your propertyworth
  3. Remove PMI to reduce their monthly mortgage payment
  4. To reinstate your Home Equity Line of Credit (or HELOC)
  5. To review a different appraiser's report for verification
  6. In the case of a VT divorce, where real estate needs to be divided
  7. Settle an estate in VT by determining the true market value of real estate in question

Own a house in or near St Johnsbury, VT and need help determining the price of it?
Contact Record Appraisal Service.

We at Record Appraisal Service understand the individual needs of a homeowner in need of appraisal services. While our typical business clients understand the appraisal process and standard reporting formats, you as a consumer will get an extra level of 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. Professional appraisers, like the ones at Record Appraisal Service, will be objective. We'll tell you what you need to know, not just what you want to hear. A professional appraisal is very valuable as a negotiating tool once you have a potential buyer, in addition to helping you set a realistic price to sell at so your property will attract buyers. The appraisal is something concrete to show your buyer. The appraisal is an independent third party's opinion of your home's value, not just you saying how much your house is worth. Interested buyers assume you have an emotional attachment to your house and will be much more likely to give credibility to a professional appraiser's value conclusion than yours.

Appraisals to cancel PMI

An attractive money saver for homeowners is getting the PMI removed from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Once your mortgage loan is down below 80% of the value of your property, in most cases you can apply to the lender to have the PMI removed from your loan, which will make your monthly payments go down. Record Appraisal Service is experts in helping homeowners just like you delete undesirable PMI insurance.

Challenging Caledonia county's assessment of your property

Your local tax assessor may have your house overvalued if you live in a region that's going down. This means you are most likely 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 things like this, the better. Getting an appraisal report from Record Appraisal Service is your number one weapon when challenging your property tax assessment.

HELOC recently frozen?

Your lender may make the decision to automatically freeze your home equity line of credit (HELOC) if your home is close to a declining area -- even if your specific property has not declined in value. Not only can this be difficult and inconvenient from a cash flow standpoint, but it can be unfavorable to your credit score since it may appear as though that credit line is maxed out. Record Appraisal Service can help you reinstate your HELOC.

We Also Provide Field and Desktop Appraisal Review Services

Have you just been handed a copy of your appraisal and you'd prefer to have an expert double-check it for preciseness or do you want a second opinion without the cost and delay of waiting for a whole new appraisal? An appraiser from Record Appraisal Service can go out and check the subject and comparables in a field review. If you need it in a rush, we'll provide 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? Record Appraisal Service can help you with that. While usually requested by banks, you may need to exercise this service if you suspect mortgage fraud related to your house.