Attention homeowners in Lewistown and Mifflin County: Need an appraisal?

Check out the top 7 reasons PA homeowners hire Smeltz & Aumiller Real Estate, LLC:

Pre-listing appraisals (whether they're selling the home on their own or using an agent)
To challenge a PA property tax assessment
Remove PMI to cut their mortgage payments
To reinstate your Home Equity Line of Credit (or HELOC)
Review a different appraiser's report for verification
In the case of a PA divorce, when property needs to be divided
Determine the true market value of real estate in question to settle an estate

Own a house in or near Lewistown, PA and need help deciding the price of it?
Contact Smeltz & Aumiller Real Estate, LLC.

We at Smeltz & Aumiller Real Estate, LLC understand the special needs of a customer after appraisal services. While our typical 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 (FSBO)/Pre-Listing Services

It's very hard to be objective about your own house because of your emotional attachment to it. Professional appraisers, like the ones at Smeltz & Aumiller Real Estate, LLC, are 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 house will attract interested buyers, a professional appraisal is a crucial negotiating tool once you have a likely buyer. It's something concrete to show your buyer. It's an independent third party's opinion of your home's price, and not just how much your home is worth. Interested buyers assume you have an emotional attachment to your house and will be much more likely to give credibility to an accomplished appraiser's value conclusion than yours.

Appraisals to cancel PMI

Getting the PMI (Private Mortgage Insurance) eliminated from your mortgage loan is a fashionable way to cut costs for homeowners. Once your mortgage loan amount is less than 80% of the value of your house, 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. We're seasoned in helping customers just like you get rid of unneeded and unwanted PMI insurance.

Challenging property tax assessments

Your local tax assessor may have your home overvalued if your house is not appreciating as much as other houses close by. That means you are paying more taxes than you should. The sooner 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 report from Smeltz & Aumiller Real Estate, LLC is your number one weapon.

HELOC recently frozen?

Your lender just may choose 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. This can this be annoying from a cash flow standpoint, and harmful to your credit score since it may appear as though that credit line is maxed out. Smeltz & Aumiller Real Estate, LLC can help you reinstate your home equity line of credit with a professional appraisal.

Need Field and Desktop Appraisal Review Services?

Would you prefer a second opinion without the added cost and delay of waiting for a whole new appraisal? Or do you want a veteran appraiser to double-check your appraisal for efficiency? In a field review we'll go out and check the subject and comps in question. Or, if you need it in a rush, we can 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? Smeltz & Aumiller Real Estate, LLC can help with that too. While typically requested by banks, you may wish to utilize this service if you suspect mortgage fraud related to your property.