Attention homeowners: Real estate appraisal services for in Charlottesville and Albemarle County

Check out the top seven reasons VA homeowners need Kennedy & Associates:

  1. Find the right listing price (whether they're selling the home themselves or using an agent)
  2. To challenge a VA property tax assessment
  3. To cut a mortgage payments by removing PMI
  4. Reinstate your Home Equity Line of Credit (HELOC)
  5. To review a different appraiser's report for verification
  6. If property needs to be divided because of a divorce
  7. Settle an estate in VA by determining the true market value of property in question

Do you own a house in or near Charlottesville? Do you need help determining the value of your real estate?
Contact Kennedy & Associates.

We at Kennedy & Associates understand the unique needs of a consumer after appraisal services. While our typical 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.

For Sale By Owner/Pre-Listing Services

It's very hard to be objective about your own home because of your emotional attachment to it. Professional appraisers, like the ones at Kennedy & Associates, will be objective. We'll tell you what you need to know, not just what you want to hear. 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 an attainable buyer. The appraisal is something concrete to show your buyer. An appraisal is an independent third party's opinion of your property's price -- not just you saying how much you think your home is worth. Potential buyers assume that you have an emotional attachment to your home and will be much more likely to give credibility to an accomplished appraiser's value judgement than yours.

Appraisals to cancel PMI

PMI stands for Private Mortgage Insurance. A popular way to cut expenses for homeowners is to get the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan amount is less than 80% of the value of your property, in most cases you can apply to a lender to have the PMI canceled from your loan, which will make your monthly payments go down. Kennedy & Associates is seasoned in helping customers just like you delete unwanted and unneeded PMI insurance.

Challenging a property tax assessment

Lets say your house is not appreciating as much as other houses close by -- your local tax assessor may have your home overvalued. This only 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 earlier you take care of things like this, the better. When contesting your property tax assessment, getting an expert appraisal from Kennedy & Associates is your number one weapon.

Recently got a freeze your HELOC?

Your lender might choose to automatically freeze your home equity line of credit (HELOC) if your house is in a declining area -- even if your specific property has not declined in value. This can this be inconvenient from a cash flow viewpoint, and detrimental to your credit score since it may appear as though that credit line is maxed out. Kennedy & Associates can provide you with efficient appraisal to help you reinstate your home equity line of credit.

We Offer Field and Desktop Appraisal Review Services

Have you just accepted a copy of your appraisal and you'd prefer to have an expert double-check it for efficiency or do you want a second opinion without the cost and delay of waiting for a whole new appraisal? An appraiser from Kennedy & Associates can go out and check the subject and comps in a field review. Or, if you need it immediately, we can 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? Kennedy & Associates can We can assist you. While typically requested by banks, you may desire to make use of this service if you suspect mortgage fraud related to your property.