Attention homeowners in Kane and McKean County: Get an Appraisal today!

Here are the top 7 reasons why PA homeowners hire Ron Carty Appraisal:

  1. To get a pre-listing appraisal (whether they're selling the home on their own or using a real estate agent)
  2. Challenge a property tax assessment
  3. To lower your monthly mortgage payment by removing PMI
  4. To reinstate your Home Equity Line of Credit (or HELOC)
  5. Verify another appraiser's report
  6. If property needs to be divided because of a divorce
  7. Settle an estate in PA by determining the true market value of real estate in question

Do you own a home in or near Kane? Do you need help determining the value of your real estate?
Contact Ron Carty Appraisal.

We at Ron Carty Appraisal understand the special needs of a consumer seeking 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

It's very hard to be objective about your home because you probably have an emotional attachment to it. Professional appraisers, like the ones at Ron Carty Appraisal, will be objective. We'll tell you what you need to know, not just what you want to hear. A professional appraisal is very crucial as a negotiating tool once you have an interested buyer, in addition to helping you set a realistic selling price so your property will attract interested buyers. It's something concrete to show the buyer. It's an independent third party's opinion of your property's price, and not just how much your home is worth. Interested buyers know you have an emotional attachment to your home and will be much more likely to give credibility to an accomplished appraiser's value assessment than yours.

Appraisals to cancel PMI

A popular way to cut costs for homeowners is to get the PMI removed from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Once your mortgage loan amount is down below 80% of the value of your property, in most cases you can apply to your lender to have the PMI canceled from your loan, which will make your monthly payments go down. We're qualified in helping clients just like you rid yourselves of unwanted PMI insurance.

Challenge a property tax assessment

Your local tax assessor may have your house overvalued if you live in a local area that is declining or not appreciating as much as other homes close to yours. That means you are 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 off you'll be. Getting an appraisal from Ron Carty Appraisal is your strongest weapon when challenging your property tax assessment.

Was your HELOC recently frozen?

Even if your specific property has not declined in value, your lender may decide to automatically freeze your home equity line of credit (HELOC) if your property is in a declining area. This can this be inconvenient from a cash flow viewpoint, and negative on your credit score since it may appear as though that credit line is maxed out. An efficient appraisal from Ron Carty Appraisal can help you reinstate your HELOC.

We Also Offer Field and Desktop Appraisal Review Services

Have you just received a copy of your appraisal and you'd like to have a seasoned expert double-check it for verity or do you need a second opinion without the charge and delay of waiting for a whole new appraisal? In a field review we'll go out and check the subject and comparables in question. 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 report? We can help with that too. While typically requested by banks, you may want to exercise this service if you suspect mortgage fraud related to your house.