Need an appraisal in Peterborough County, Kawartha Lakes and Durham Region?
Here are the top reasons homeowners hire Ryan Realty Services Ltd.:
Do you own a house? Do you need help deciding the value of your real estate?
We at Ryan Realty Services Ltd. understand the unique needs of a customer looking for appraisal services. While our usual clients understand the appraisal process and standard reporting formats, you as a consumer will get an extra level of 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
Since you have an emotional attachment to your home, it's often very hard to be objective about it. Our professional appraisers at Ryan Realty Services Ltd. 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 home will attract buyers, a professional appraisal is a very valuable negotiating tool once you have a likely buyer. The appraisal is something concrete to show your buyer. It's an independent third party's opinion of your house's price, and not just how much your house is worth. Potential buyers know that you have an emotional attachment to your home and will be more likely to give credibility to an accomplished appraiser's value estimation than yours.
Need to remove PMI?
PMI stands for Private Mortgage Insurance. A preferred way to cut costs for homeowners is to get the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. Your monthly payments will go down 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. We're experienced in helping consumers just like you dismiss unwanted and unneeded PMI insurance.
Challenge a property tax assessment
If you live in a local area that is declining or is not appreciating as much as other homes close by, your local tax assessor may have your home overvalued. That only means you are most likely paying more taxes than you should. The sooner you take care of things like this, the better, since your property assessment may likely go up again in the next period. An expert appraisal from Ryan Realty Services Ltd. is your strongest weapon when challenging your property tax assessment.
Was your HELOC recently frozen?
Your lender may just choose to automatically freeze your home equity line of credit (HELOC) if your home is in a declining area -- even if your specific property has not declined in value. This can this be inopportune from a cash flow angle, and bad for your credit score since it may appear as though that credit line is maxed out. Ryan Realty Services Ltd. can provide you with an expert appraisal to help you reinstate your HELOC.
We Also Provide Field and Desktop Appraisal Review Services
Have you just been given a copy of your appraisal and you would like to have a seasoned expert double-check it for verity or do you want a second opinion without the expense and delay of waiting for a whole new appraisal? Ryan Realty Services Ltd. offers field reviews where we go out and check the subject and comparables. 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? Ryan Realty Services Ltd. can We can assist you. While typically requested by banks, you may need to exercise this service if you suspect mortgage fraud related to your home.