Attention homeowners in Aylett and Essex County: Need an appraisal?

See the top reasons VA homeowners use Bay Shore Appraisal, Inc.:

To get a pre-listing appraisal (whether you're using an agent or selling the home on your own)
Challenge property tax assessments
Remove PMI to cut a mortgage payments
To reinstate your Home Equity Line of Credit (or HELOC)
To review another appraiser's report for verification
In the case of a VA divorce, when real estate property needs to be divided
Settle an estate in VA by determining the true market value of real estate in question

Need help deciding the price of your home in or near Aylett, VA?
Contact Bay Shore Appraisal, Inc..

We at Bay Shore Appraisal, Inc. understand the individual needs of a consumer after appraisal services. Our typical business clients understand the appraisal process and the usual reporting formats. As our valued client, we'll be sure you get extra guidance and explanations through the appraisal process to understand what we do and how we document 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. Our professional appraisers at Bay Shore Appraisal, Inc. are objective. We won't just tell you what you want to hear, we will tell you what you need to know. In addition to helping you set a realistic price to sell at so your house will attract interested buyers, a professional appraisal is a very valuable negotiating tool once you have an attainable buyer. The appraisal is something concrete to show the buyer. The appraisal is an independent third party's opinion of your property's value, not just you saying how much you think your house is worth. Potential buyers assume that you have an emotional attachment to your house and will be far more likely to give credibility to a seasoned appraiser's value assessment than yours.

Need to remove PMI?

A preferred money saver for homeowners is to get the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Once your mortgage loan amount is down below 80% of the value of your home, 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 are experts in helping consumers just like you rid themselves of unneeded and unwanted PMI insurance.

Challenging Essex county's assessment of your property

If you live in a region that is declining or is not appreciating as much as other houses close to yours, your local tax assessor may have your home overvalued. This only means you're probably paying higher taxes than you should be paying. The faster you take care of a matter like this, the better off you'll be, since your property assessment may likely go up again in the next period. When challenging your property tax assessment, getting an appraisal from Bay Shore Appraisal, Inc. is your chief weapon.

Was your HELOC recently frozen?

Even if your specific property has not declined in value, your lender may make the decision to automatically freeze your home equity line of credit (HELOC) if your house is in a declining area. This can this be unsuitable from a cash flow viewpoint, and negative on your credit score since it may appear as though that credit line is maxed out. Bay Shore Appraisal, Inc. can help you reinstate your HELOC.

Do You Need Field and Desktop Appraisal Review Services?

Have you just gotten a copy of your appraisal and you'd wish to have a professional double-check it for efficiency or do you desire 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 comparables in question in a field review. If you need it ASAP, we'll provide desk review and verify as many facts as we can using online data sources as well as our own files.

We can also provide you with a a retrospective review of any appraisal report you may have in your possession. While usually requested by banks, you may need to utilize this service if you suspect mortgage fraud related to your home.