Attention homeowners in Lynchburg and Lynchburg City County: Need an appraisal?

Check out the top reasons VA homeowners need Hallmark Properties, Inc.:

  1. Find the right listing price (whether you're using an agent or selling the home on your own)
  2. Challenge a property tax assessment
  3. To reduce a mortgage payment by removing PMI
  4. Reinstate their Home Equity Line of Credit (or HELOC)
  5. To review another appraiser's report for verification
  6. If real estate property needs to be divided because of a divorce
  7. Settle an estate in VA by determining the true market value of real estate in question

Do you own a home in or near Lynchburg? Do you need help determining the price of your real estate?
Contact Hallmark Properties, Inc..

At Hallmark Properties, Inc., we understand the individual needs of a homeowner after 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 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 very valuable negotiating tool once you have an interested 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. It's an independent third party's opinion of your property's value, and not just you saying how much you think your house is worth. Potential buyers know you have an emotional attachment to your house and will be more likely to give credibility to an expert appraiser's value report than yours.

Need 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 is 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. At Hallmark Properties, Inc., we're experienced in helping homeowners just like you abolish unneeded PMI insurance.

Challenge a property tax assessment

Your local tax assessor may have your home overvalued if you live in a region that is going down or is not appreciating as much as other houses close to yours. That only means you're paying more taxes than you should. Since your property assessment may likely go up again in the next period, the sooner you take care of a matter like this, the better. Getting an appraisal report from Hallmark Properties, Inc. is your #1 weapon when contesting your property tax assessment.

Recently got a freeze your HELOC?

If your home is in a declining area, your lender may just make the decision to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can this be unsuitable from a cash flow angle, and destructive to your credit score since it may appear as though that credit line is maxed out. Hallmark Properties, Inc. can provide you with an expert appraisal to help you reinstate your home equity line of credit.

Field and Desktop Appraisal Review Services

Do you need an expert to double-check your appraisal for efficiency, or do you desire a second opinion without the expense and delay of waiting for a whole new appraisal? Hallmark Properties, Inc. offers field reviews where we'll go out and check the subject and comps in question. If you need it immediately, we'll provide you with a desk review and verify as many facts as we can using online data sources as well as our own files.

We can also provide a retrospective review of any appraisal report you may have in your possession. While typically requested by banks, you may want to take advantage of this service if you suspect mortgage fraud related to your property.