Attention homeowners in Suffolk and Charlottesville City County: Need an appraisal?

See the top 7 reasons VA homeowners need Chorey & Associates:

Pre-listing appraisals (whether you're using an agent or selling the home on your own)
Challenge a property tax assessment
To reduce their mortgage payment by removing PMI
To reinstate your Home Equity Line of Credit (or HELOC)
To review another appraiser's report for verification
If real estate property needs to be divided because of a divorce
To determine the true market value of property in question to settle an estate in Charlottesville City County or the state of VA

Need help deciding the value of your house in or near Suffolk, VA?
Contact Chorey & Associates.

At Chorey & Associates, we understand the particular needs of a consumer after appraisal services. The appraisal process and reporting formats are familiar to our business clients like banks, attorneys, and accountants. But as a general consumer,we will give you extra guidance and explanations through the appraisal process to understand what we do and how we report our conclusions.

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

Since you have an emotional attachment to your own home, it's often very hard to be objective about it. A professional appraiser is objective and will tell you what you need to know, not just what you want to hear. A professional appraisal is a crucial negotiating tool once you have a potential buyer, in addition to helping you set a realistic price to sell at so your house will attract many interested buyers. The appraisal is something tangible to show the buyer. An appraisal is an independent third party's opinion of your house's value -- not just how much you think your house is worth. Interested buyers assume that you have an emotional attachment to your home and will be far more likely to give credibility to a professional appraiser's value conclusion than yours.

Need to cancel PMI?

A preferred way to cut costs for homeowners is getting the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Your monthly payments will go down once your mortgage loan is down below 80% of the value of your home. In most cases you can apply to a lender to have the PMI eliminated from your loan. We are experienced in helping folks just like you delete unwanted and unneeded PMI insurance.

Challenge property tax assessments

Your local tax assessor may have your home overvalued if you live in a local area that's going down. That means you are most likely paying more taxes than you should. Since your property assessment may likely go up again in the next period, the quicker you take care of a matter like this, the better off you'll be. An expert appraisal from Chorey & Associates is your chief weapon when contesting your property tax assessment.

HELOC recently frozen?

Even if your specific property has not declined in value, your lender might choose to automatically freeze your home equity line of credit (HELOC) if your property is close to a declining area. This can be be detrimental to your credit score since it may appear as though that credit line is maxed out, and also inopportune from a cash flow angle. Chorey & Associates can provide you with an expert appraisal to help you reinstate your home equity line of credit.

Need Field and Desktop Appraisal Review Services?

Would you like a second opinion without the charge and delay of waiting for a whole new appraisal? Or do you want a veteran appraiser to double-check your appraisal for verity? We 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 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 report? We can help with that too. While typically requested by banks, you may want to utilize this service if you suspect mortgage fraud related to your house.