Real estate appraisal services for homeowners in the city of Staunton and Staunton City County

The top 7 reasons VA homeowners hire Shelley Dull:

  1. To get a pre-listing appraisal (whether they're selling the home on their own or using an agent)
  2. To challenge a VA property tax assessment
  3. To reduce your mortgage payments by removing PMI
  4. Reinstate their Home Equity Line of Credit (or HELOC)
  5. Verify a different appraiser's report
  6. In the case of a VA divorce, where property needs to be divided
  7. To determine the true market value of real estate in question to settle an estate in Staunton City County or the state of VA

Need help deciding the price of your home in or near Staunton, VA?
Contact Shelley Dull.

At Shelley Dull, we understand the particular needs of a consumer in need of appraisal services. While our usual 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

Since you have an emotional attachment to your home, it's often very hard to be objective about it. The professional appraisers at Shelley Dull will tell you what you need to know -- not just what you want to hear. We are objective. In addition to helping you set a realistic selling price so your property will attract many interested buyers, a professional appraisal is a very valuable negotiating tool once you have a likely buyer. The appraisal is something concrete to show your buyer. An appraisal is an independent third party's opinion of your home's value -- not just you saying how much your home is worth. Interested buyers assume you have an emotional attachment to your house and will be far more likely to give credibility to an expert appraiser's value conclusion than yours.

Need to remove PMI?

A preferred way to cut costs for homeowners is getting 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 house. In most cases you can apply to a lender to have the PMI canceled from your loan. We're experienced in helping customers just like you remove undesirable PMI insurance.

Challenge Tax Assessment

Your local tax assessor may have your home overvalued if you live in an area that is declining. That only means you're probably paying 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. An expert appraisal from Shelley Dull is your strongest weapon when contesting your property tax assessment.

HELOC recently frozen?

If your property is in or near a declining area, your lender just might 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 difficult and inconvenient from a cash flow point of view, but it can be damaging to your credit score since it may appear as though that credit line is maxed out. Shelley Dull can provide you with an expert appraisal to help you reinstate your home equity line of credit.

Field and Desktop Appraisal Review Services

Do you need a seasoned professional to double-check your appraisal 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 comps. If you need it immediately, we'll provide you with a 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 you may have in your possession. Even though this is typically requested by banks, you may need to use this service if you suspect mortgage fraud related to your home.