Need an appraisal in STATE COLLEGE or Centre County?

Here are the top reasons PA homeowners need Crispell Associates:

  1. Pre-listing appraisals (whether they're selling the home on their own or using a real estate agent)
  2. Challenge Centre county's assessment of your property
  3. To cut their 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 PA divorce, when property needs to be divided
  7. To determine the true market value of property in question to settle an estate in Centre county or PA

Do you own a house in or near STATE COLLEGE? Do you need help deciding the price of your real estate?
Contact Crispell Associates.

At Crispell Associates, we understand the special needs of a homeowner after 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.

For Sale By Owner/Pre-Listing Services

It's very hard to be objective about your own house because you most likely have an emotional attachment to it. Our professional appraisers at Crispell Associates are objective. We won't just tell you what you want to hear, we'll tell you what you need to know. In addition to helping you set a realistic selling price so your house will attract interested buyers, a professional appraisal is very valuable as a negotiating tool once you have a likely buyer. It gives you something tangible to show the buyer. It's an independent third party's opinion of your home's price, and not just how much you think your home is worth. Potential buyers assume that you have an emotional attachment to your house and will be far more likely to give credibility to an experienced appraiser's value opinion than yours.

Appraisals to remove PMI

A preferred money saver 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 property. In most cases you can apply to your lender to have the PMI canceled from your loan. We are veterans in helping people just like you do away with unnecessary PMI insurance.

Challenge Centre county's assessment of your property

Your local tax assessor may have your home overvalued if you live in a local area that's going down or not appreciating as much as other homes close to yours. This means you are probably paying higher taxes than you should be paying. 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 an appraisal report from Crispell Associates is your best weapon when challenging your property tax assessment.

HELOC recently frozen?

If your property is in or near a declining area, your lender just might decide to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can be be detrimental to your credit score since it may appear as though that credit line is maxed out, and also inopportune from a cash flow point of view. An expert appraisal from Crispell Associates can help you reinstate your HELOC.

Field and Desktop Appraisal Review Services

Would you prefer a second opinion without the added expense and delay of waiting for a whole new appraisal? Or do you want a veteran appraiser to double-check your appraisal for precision? 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 you with a 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 report? We can help you with that Even though this is usually requested by banks, you may need to exercise this service if you suspect mortgage fraud related to your property.