Attention homeowners: Real estate appraisal services for in Derry and Rockingham County

See the top seven reasons why NH homeowners use Spanos Appraisal Services:

  1. To get a pre-listing appraisal (whether you're using an agent or selling the home on your own)
  2. To challenge a NH property tax assessment
  3. To reduce your mortgage payments by removing PMI
  4. Reinstate your Home Equity Line of Credit (or HELOC)
  5. Verify a different appraiser's report
  6. If real estate needs to be divided because of a divorce
  7. To settle an estate in Rockingham county or NH by determining the true market value of property in question

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

At Spanos Appraisal Services, we understand the unique needs of a customer after appraisal services. Our business practices and reporting formats are familiar to our business clients like lenders, attorneys, and accountants. As our client, you'll receive extra guidance and explanations through the appraisal process to more clearly understand what we do and how we document our findings.

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

It's very hard to be objective about your house because you probably have an emotional attachment to it. The professional appraisers at Spanos Appraisal Services will tell you what you need to know -- not just what you want to hear. We are objective. A professional appraisal is a very valuable negotiating tool once you have an attainable buyer, in addition to helping you set a realistic selling price so your property will attract buyers. It's something tangible to show your buyer. An appraisal is an independent third party's opinion of your property's price -- not just how much your home is worth. Interested buyers assume that you have an emotional attachment to your home and will be more likely to give credibility to a qualified appraiser's value report than yours.

Appraisals to remove PMI

PMI stands for Private Mortgage Insurance. A fashionable way to save money for homeowners is getting the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan is down below 80% of the value of your home, 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. At Spanos Appraisal Services, we're experts in helping customers just like you dismiss unnecessary PMI insurance.

Challenge property tax assessments

If you live in an area that is declining or is not appreciating as much as other properties close by, your local tax assessor may have your house overvalued. This only means you're probably paying 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. Getting an appraisal from Spanos Appraisal Services is your best weapon when contesting your property tax assessment.

HELOC recently frozen?

Your lender just might make the decision 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 unsuitable from a cash flow viewpoint, and bad for your credit score since it may appear as though that credit line is maxed out. Spanos Appraisal Services can provide you with efficient appraisal that will help you reinstate your home equity line of credit.

Field and Desktop Appraisal Review Services

Have you just been given a copy of your appraisal and you would wish to have an expert double-check it for efficiency or do you want a second opinion without the expense and delay of waiting for a whole new appraisal? An appraiser from Spanos Appraisal Services can go out and check the subject and comparables in question in a field review. If you need it in a rush, we'll provide you with a 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? Spanos Appraisal Services can help with that too. Even though this is usually requested by banks, you may want to make use of this service if you suspect mortgage fraud related to your property.