Attention homeowners in Emporia and Emporia City County: Get an Appraisal today!

Here are the top 7 reasons why VA homeowners hire DB Appraisals:

  1. To get a pre-listing appraisal (whether they're selling the home themselves or using a real estate agent)
  2. Challenge Emporia City county's assessment of your propertyvalue
  3. To reduce a monthly mortgage payment by removing PMI
  4. Reinstate their Home Equity Line of Credit (HELOC)
  5. To review another appraiser's report for verification
  6. In the case of a VA divorce, where property needs to be divided
  7. Determine the true market value of property in question to settle an estate in Emporia City county or VA

Need help determining the value of your house in or near Emporia, VA?
Contact DB Appraisals.

We at DB Appraisals understand the special needs of a homeowner in need of appraisal services. Our regular business clients get the appraisal process and the usual reporting formats. As our client, we'll be sure you get extra guidance and explanations through the appraisal process to more fully understand what we do and how we document our conclusions.

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

It's very hard to be objective about your house because you probably have an emotional attachment to it. Our professional appraisers at DB Appraisals are objective. We won't just tell you what you want to hear, we will tell you what you need to know. A professional appraisal is very important as a negotiating tool once you have an attainable buyer, in addition to helping you set a realistic price to sell at so your property will attract buyers. The appraisal is something tangible to show your buyer. It's an independent third party's opinion of your house's value, and not just how much you think your house is worth. Potential buyers know that you have an emotional attachment to your home and will be more likely to give credibility to an accomplished appraiser's value conclusion than yours.

Need to remove PMI?

PMI stands for Private Mortgage Insurance. An attractive way to cut expenses for homeowners is to get the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. Your monthly payments will go down once your mortgage loan is below 80% of the value of your home. In most cases you can apply to your lender to have the PMI eliminated from your loan. DB Appraisals is qualified in helping consumers just like you dismiss unwanted PMI insurance.

Challenge property tax assessments

Your local tax assessor may have your house overvalued if your house is not appreciating as much as other houses nearby. That only means you're going to pay more taxes than you should. The sooner you take care of things like this, the better, since your property assessment may likely go up again in the next period. Getting a professional appraisal from DB Appraisals is your best weapon when challenging your property tax assessment.

HELOC recently frozen?

If your home is in or near a declining area, your lender just may make the decision to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. Not only can this be annoying from a cash flow standpoint, but it can be bad for your credit score since it may appear as though that credit line is maxed out. DB Appraisals can help you reinstate your HELOC.

We Also Offer Field and Desktop Appraisal Review Services

Would you like a second opinion without the added cost and delay of waiting for a whole new appraisal? Or do you need an expert to double-check your appraisal for precision? In a field review we will go out and check the subject and comparables. Or, if you need it in a rush, we can 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 help you with that Even though this is usually requested by banks, you may desire to utilize this service if you suspect mortgage fraud related to your house.