Attention homeowners in Bedford and Bedford County: Get an Appraisal today!

Here are the top seven reasons PA homeowners hire Howard Hanna Bardell Realty:

  1. To get a pre-listing appraisal (whether they're selling the home themselves or using a real estate agent)
  2. To challenge a PA property tax assessment
  3. Remove PMI to cut a monthly mortgage payment
  4. Reinstate your Home Equity Line of Credit (or HELOC)
  5. Verify another appraiser's report
  6. In the case of a PA divorce, where property needs to be divided
  7. To determine the true market value of real estate in question to settle an estate in Bedford county or PA

Own a house in or near Bedford, PA and need help deciding the price of it?
Contact Howard Hanna Bardell Realty.

We at Howard Hanna Bardell Realty understand the unique needs of a homeowner looking for appraisal services. The appraisal process and reporting formats are familiar to our business clients like banks, lawyers, and CPAs. Being a regular person not in the real estate business that probably doesn't see an appraisal every day,you'll receive extra guidance and explanations through the appraisal process to better understand what we do and how we present our conclusions.

For Sale By Owner/Pre-Listing Services

Since you have an emotional attachment to your own house, 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. In addition to helping you set a realistic selling price so your house will attract buyers, a professional appraisal is very crucial as a negotiating tool once you have an interested buyer. It gives you something concrete to show your buyer. The appraisal is an independent third party's opinion of your house's value, not just how much your home is worth. Interested buyers assume you have an emotional attachment to your house and will be more likely to give credibility to an expert appraiser's value estimation than yours.

Need to remove PMI?

PMI stands for Private Mortgage Insurance. A fashionable money saver for homeowners is to get the PMI removed from their mortgage loan, thus saving them money on their monthly payments. Your monthly payments will go down once your mortgage loan amount is down below 80% of the value of your property. In most cases you can apply to the lender to have the PMI eliminated from your loan. Howard Hanna Bardell Realty is seasoned in helping homeowners just like you get rid of unneeded PMI insurance.

Challenge Bedford county's assessment of your property

Your local tax assessor may have your home overvalued if you live in a region that is declining or is not appreciating as much as other homes close to yours. This means you are going to pay 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 contesting your property tax assessment, getting an expert appraisal from Howard Hanna Bardell Realty is your #1 weapon.

Was your 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 in a declining area. This can this be disadvantageous from a cash flow point of view, and damaging to your credit score since it may appear as though that credit line is maxed out. Howard Hanna Bardell Realty can provide you with an expert appraisal to help you reinstate your home equity line of credit.

We Provide Field and Desktop Appraisal Review Services

Do you need a seasoned appraiser to double-check your appraisal for verity, or do you want a second opinion without the charge and delay of waiting for a whole new appraisal? An appraiser from Howard Hanna Bardell Realty can go out and check the subject and comps in question in a field review. Or, if you need it ASAP, 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? Howard Hanna Bardell Realty can help with that too. While typically requested by banks, you may wish to employ this service if you suspect mortgage fraud related to your house.