Real estate appraisal services for homeowners in the city of Shavertown and Luzerne County

Here are the top seven reasons why PA homeowners hire Ryan Laffey:

  1. Find the right listing price (whether they're selling the home themselves or using an agent)
  2. To challenge a PA property tax assessment
  3. To lower a monthly mortgage payment by removing PMI
  4. Reinstate your Home Equity Line of Credit (HELOC)
  5. Verify a different appraiser's report
  6. If real estate needs to be divided because of a divorce
  7. Settle an estate in PA by determining the true market value of property in question

Do you own a house in or near Shavertown? Do you need help determining the price of your real estate?
Contact Ryan Laffey.

At Ryan Laffey, we understand the individual needs of a consumer after appraisal services. While our usual 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.

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

Since you have an emotional attachment to your own home, it's often very hard to be objective about it. A professional appraiser is objective and will tell you what you need to know, not just what you want to hear. A professional appraisal is a very valuable 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. The appraisal is something concrete to show your buyer. The appraisal is an independent third party's opinion of your home's value, not just you saying how much you think your house is worth. Potential buyers know you have an emotional attachment to your home and will be far more likely to give credibility to an accomplished appraiser's value report than yours.

PMI Removal Appraisals

PMI stands for Private Mortgage Insurance. A popular way to cut costs for homeowners is getting the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. Your monthly payments will go down once your mortgage loan amount is down below 80% of the value of your property. In most cases you can apply to a lender to have the PMI eliminated from your loan. At Ryan Laffey, we're experienced in helping folks just like you remove undesirable PMI insurance.

Challenge a property tax assessment

Your local tax assessor may have your house overvalued if you live in a region that is going down or is not appreciating as much as other homes close by. That means you're probably paying more taxes than you should. Since your property assessment may likely go up again in the next period, the quicker you take care of a matter like this, the better off you'll be. An expert appraisal from Ryan Laffey is your best weapon when contesting your property tax assessment.

Recently got a freeze your HELOC?

Even if your specific property has not declined in value, your lender just may choose to automatically freeze your home equity line of credit (HELOC) if your property is close to a declining area. This can be be unfavorable to your credit score since it may appear as though that credit line is maxed out, and also inconvenient from a cash flow angle. An expert appraisal from Ryan Laffey can help you reinstate your HELOC.

Do You Need Field and Desktop Appraisal Review Services?

Have you just gotten a copy of your appraisal and you would wish to have a seasoned expert double-check it for efficiency or do you want a second opinion without the added expense and delay of waiting for a whole new appraisal? We can go out and check the subject and comps in question in a field review. If you need it in a rush, 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 done before. While usually requested by banks, you may need to exercise this service if you suspect mortgage fraud related to your home.