Need an appraisal in Virginia Beach or Virginia Beach City County?

Check out the top 7 reasons why VA homeowners call on Kimberly Smith & Associates, Inc:

To get a pre-listing appraisal (whether you're using a real estate agent or selling the home on your own)
Challenge a property tax assessment
Remove PMI to lower your monthly mortgage payment
To reinstate their Home Equity Line of Credit (HELOC)
To review another appraiser's report for verification
In the case of a VA divorce, when property needs to be divided
Determine the true market value of property in question to settle an estate in Virginia Beach City county or VA

Own a home in or near Virginia Beach, VA and need help determining the value of it?
Contact Kimberly Smith & Associates, Inc.

We at Kimberly Smith & Associates, Inc understand the special needs of a homeowner after appraisal services. While our typical clients understand the appraisal process and standard reporting formats, you as a consumer will get extra 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. Our professional appraisers at Kimberly Smith & Associates, Inc are objective. We won't just tell you what you want to hear, we'll tell you what you need to know. A professional appraisal is very crucial as a negotiating tool once you have a likely buyer, in addition to helping you set a realistic price to sell at so your property will attract interested buyers. The appraisal is something concrete to show the buyer. The appraisal is an independent third party's opinion of your home's value, not just how much your house is worth. Interested buyers assume you have an emotional attachment to your home and will be far more likely to give credibility to a professional appraiser's value report than yours.

Need to cancel 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". Once your mortgage loan is down below 80% of the value of your property, 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. We are experts in helping customers just like you do away with unnecessary PMI insurance.

Challenging a property tax assessment

Lets say your house is not appreciating as much as other properties close to yours -- 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 quicker you take care of a matter like this, the better. When challenging your property tax assessment, getting a professional appraisal from Kimberly Smith & Associates, Inc is your best weapon.

HELOC recently frozen?

Your lender might choose to automatically freeze your home equity line of credit (HELOC) if your house is in or near a declining area -- even if your specific property has not declined in value. This can be be unfavorable to your credit score since it may appear as though that credit line is maxed out, and also disadvantageous from a cash flow angle. Kimberly Smith & Associates, Inc can help you reinstate your HELOC.

Need Field and Desktop Appraisal Review Services?

Do you need an expert to double-check your appraisal for accuracy, or do you want a second opinion without the added cost and delay of waiting for a whole new appraisal? We can go out and check the subject and comparables in question in a field review. If you need it immediately, we'll provide desk review and verify as many facts as we can using online data sources as well as our own files.

Need a retrospective review of an appraisal? We can We can assist you Even though this is usually requested by banks, you may want to take advantage of this service if you suspect mortgage fraud related to your home.