Appraisal services for Elkins and Randolph County homeowners

Here are the top seven reasons why WV homeowners call on Noel Appraisals:

  1. Find the right listing price (whether they're selling the home on their own or using an agent)
  2. To challenge a WV property tax assessment
  3. Remove PMI to reduce a monthly mortgage payment
  4. Reinstate their Home Equity Line of Credit (HELOC)
  5. Review another appraiser's report for verification
  6. In the case of a WV divorce, when real estate needs to be divided
  7. Determine the true market value of real estate in question to settle an estate in Randolph county or WV

Need help deciding the value of your house in or near Elkins, WV?
Contact Noel Appraisals.

We at Noel Appraisals understand the special needs of a customer looking for appraisal services. Our typical business clients understand the appraisal process and the standard "products" we deliver to them. As our client, you can expect extra guidance and explanations through the appraisal process to better 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 own house because you probably have an emotional attachment to it. Our professional appraisers at Noel 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 selling price so your property will attract 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 house is worth. Potential buyers assume that you have an emotional attachment to your home and will be much more likely to give credibility to an experienced appraiser's value estimation than yours.

Appraisals to cancel PMI

An attractive way to cut expenses 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". Your monthly payments will go down once your mortgage loan is below 80% of the value of your property. In most cases you can apply to your lender to have the PMI eliminated from your loan. At Noel Appraisals, we're veterans in helping consumers just like you get rid of unnecessary PMI insurance.

Challenging a property tax assessment

Lets say your home is not appreciating as much as other houses close by -- your local tax assessor may have your house overvalued. This only means you are going to pay higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the faster you take care of a matter like this, the better. An expert appraisal from Noel Appraisals is your number one 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 make the decision to automatically freeze your home equity line of credit (HELOC) if your house is in a declining area. Not only can this be difficult and inconvenient from a cash flow viewpoint, but it can be bad for your credit score since it may appear as though that credit line is maxed out. Noel Appraisals can help you reinstate your home equity line of credit with a professional appraisal.

We Provide Field and Desktop Appraisal Review Services

Have you just been given a copy of your appraisal and you'd wish to have an expert double-check it for precision or do you want a second opinion without the expense and delay of waiting for a whole new appraisal? An appraiser from Noel Appraisals can go out and check the subject and comps in a field review. If you need it ASAP, we'll provide desk review and verify as many facts as we can using online data sources as well as our own files.

We can also provide a retrospective review of any appraisal report you may have had in the past. While typically requested by banks, you may wish to employ this service if you suspect mortgage fraud related to your property.