Appraisal services for Quinton and New Kent County homeowners

Here are the top seven reasons VA homeowners need Cory Murphy:

To get a pre-listing appraisal (whether they're selling the home on their own or using an agent)
To challenge a VA property tax assessment
To reduce your mortgage payment by removing PMI
To reinstate your Home Equity Line of Credit (or HELOC)
Verify a different appraiser's report
In the case of a VA divorce, where real estate needs to be divided
To determine the true market value of property in question to settle an estate in New Kent County or the state of VA

Need help determining the price of your home in or near Quinton, VA?
Contact Cory Murphy.

At Cory Murphy, we understand the particular needs of a homeowner in need of 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.

Pre-listing Services/For Sale By Owner

Since you have an emotional attachment to your home, it's often very hard to be objective about it. Professional appraisers, like the ones at Cory Murphy, are objective. We will tell you what you need to know, not just what you want to hear. A professional appraisal is very important as a negotiating tool once you have a likely buyer, in addition to helping you set a realistic selling price so your home will attract interested buyers. It gives you something concrete to show your buyer. It's an independent third party's opinion of your home's value, and not just how much your home is worth. Potential buyers know you have an emotional attachment to your house and will be far more likely to give credibility to an expert appraiser's value conclusion than yours.

Need to remove PMI?

PMI stands for Private Mortgage Insurance. A popular way to cut costs for homeowners is getting the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan is less than 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. Cory Murphy is experienced in helping customers just like you abolish unwanted and unneeded PMI insurance.

Challenge property tax assessments

Your local tax assessor may have your home overvalued if you live in a region that's going down. This means you're going to pay higher taxes than you should be paying. The earlier you take care of a matter like this, the better, since your property assessment may likely go up again in the next period. Getting a professional appraisal from Cory Murphy is your strongest weapon when challenging your property tax assessment.

HELOC recently frozen?

If your house is close to a declining area, your lender just might 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 inconvenient from a cash flow standpoint, and unfavorable to your credit score since it may appear as though that credit line is maxed out. Cory Murphy can 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 efficiency, or do you desire a second opinion without the expense and delay of waiting for a whole new appraisal? Cory Murphy offers field reviews where we'll go out and check the subject and comps. Or, if you're 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? Cory Murphy can help you with that. While typically requested by banks, you may wish to use this service if you suspect mortgage fraud related to your house.