Real estate appraisal services for homeowners in the city of Stafford and Stafford County

Here are the top 7 reasons why VA homeowners use Zion Realty Service Inc:

  1. Get a pre-listing appraisal (whether you're using a real estate agent or selling the home on your own)
  2. Challenge Stafford county's assessment of your propertyworth
  3. Remove PMI to reduce your mortgage payment
  4. Reinstate their Home Equity Line of Credit (HELOC)
  5. Review a different appraiser's report for verification
  6. If real estate needs to be divided because of a divorce
  7. To determine the true market value of property in question to settle an estate in Stafford County or the state of VA

Do you own a home in or near Stafford? Do you need help deciding the price of your real estate?
Contact Zion Realty Service Inc.

We at Zion Realty Service Inc understand the particular needs of a homeowner looking for appraisal services. While our usual business 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.

Pre-listing Services/For Sale By Owner (FSBO)

Since you have an emotional attachment to your 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 property will attract buyers, a professional appraisal is very valuable as a negotiating tool once you have a likely buyer. The appraisal is something concrete to show the buyer. An appraisal is an independent third party's opinion of your home's price -- not just you saying how much your home is worth. Potential buyers know that you have an emotional attachment to your house and will be much more likely to give credibility to a seasoned appraiser's value judgement than yours.

Need to remove PMI?

An attractive way to cut expenses 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". Your monthly payments will go down once your mortgage loan amount is less than 80% of the value of your home. In most cases you can apply to the lender to have the PMI canceled from your loan. At Zion Realty Service Inc, we're seasoned in helping folks just like you do away with unneeded and unwanted PMI insurance.

Challenge property tax assessments

If you live in a local area that is going down or not appreciating as much as other homes nearby, your local tax assessor may have your house overvalued. This only means you are most likely paying higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the earlier you take care of things like this, the better. An appraisal report from Zion Realty Service Inc is your chief weapon when challenging your property tax assessment.

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 home is close to a declining area. This can be be destructive to your credit score since it may appear as though that credit line is maxed out, and also inconvenient from a cash flow angle. Zion Realty Service Inc can provide you with an expert appraisal to help you reinstate your HELOC.

We Also Provide Field and Desktop Appraisal Review Services

Do you need an expert to double-check your appraisal for verity, or do you desire a second opinion without the cost and delay of waiting for a whole new appraisal? An appraiser from Zion Realty Service Inc can go out and check the subject and comps in question in a field review. If you're in a rush, 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 you with a a retrospective review of any appraisal you may have in your possession. While usually requested by banks, you may need to take advantage of this service if you suspect mortgage fraud related to your property.