Appraisal services for Richmond and Henrico County homeowners

Here are the top seven reasons VA homeowners use RA Appraisals LLC:

Find the right listing price (whether you're using an agent or selling the home on your own)
Challenge property tax assessments
To reduce their mortgage payments by removing PMI
To reinstate their Home Equity Line of Credit (HELOC)
To review another appraiser's report for verification
If real estate needs to be divided because of a divorce
Determine the true market value of property in question to settle an estate in Henrico county or VA

Do you own a house in or near Richmond? Do you need help deciding the value of your real estate?
Contact RA Appraisals LLC.

At RA Appraisals LLC, we understand the particular needs of a homeowner in need of appraisal services. While our typical business clients understand the appraisal process and standard reporting formats, you as a consumer will get an extra level of 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 (FSBO)

Since you have an emotional attachment to your own home, it's often very hard to be objective about it. Our professional appraisers at RA Appraisals LLC 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 valuable as a negotiating tool once you have an interested buyer, in addition to helping you set a realistic price to sell at so your house will attract buyers. The appraisal is something concrete to show your buyer. It's an independent third party's opinion of your house's price, and not just you saying how much you think your house is worth. Interested buyers know you have an emotional attachment to your house and will be far more likely to give credibility to an accomplished appraiser's value report than yours.

Appraisals to remove PMI

Getting the PMI (Private Mortgage Insurance) removed from your mortgage loan is a fashionable way to cut costs for homeowners. Once your mortgage loan is below 80% of the value of your house, 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're qualified in helping customers just like you abolish unwanted PMI insurance.

Challenging Henrico county's assessment of your property

Your local tax assessor may have your house overvalued if you live in a region that is declining. That means you're most likely paying more taxes than you should. The faster you take care of a matter like this, the better, since your property assessment may likely go up again in the next period. Getting an expert appraisal from RA Appraisals LLC is your #1 weapon when challenging your property tax assessment.

Was your HELOC recently frozen?

Your lender just might make the decision to automatically freeze your home equity line of credit (HELOC) if your property is in or near a declining area -- even if your specific property has not declined in value. Not only can this be unsuitable from a cash flow angle, but it can be damaging to your credit score since it may appear as though that credit line is maxed out. RA Appraisals LLC can help you reinstate your home equity line of credit with a professional appraisal.

We Also Provide Field and Desktop Appraisal Review Services

Have you just accepted a copy of your appraisal and you'd wish to have a seasoned expert double-check it for precision or do you want a second opinion without the 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. Or, if you're in a hurry, we can 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 you with a a retrospective review of any appraisal report you may have had in the past. While usually requested by banks, you may desire to exercise this service if you suspect mortgage fraud related to your house.