Appraisal services for Morgantown and Monongalia County homeowners

Here are the top 7 reasons why WV homeowners hire Puccio & York, LLC:

  1. Get a pre-listing appraisal (whether they're selling the home themselves or using an agent)
  2. Challenge property tax assessments
  3. Remove PMI to lower your mortgage payment
  4. To reinstate their Home Equity Line of Credit (or HELOC)
  5. To review another appraiser's report for verification
  6. In the case of a WV divorce, when real estate needs to be divided
  7. To settle an estate in Monongalia county or WV by determining the true market value of property in question

Own a home in or near Morgantown, WV and need help deciding the price of it?
Contact Puccio & York, LLC.

At Puccio & York, LLC, we understand the unique needs of a consumer in need of appraisal services. The appraisal process and reporting formats are familiar to our business clients like lenders, lawyers, and CPAs. As our client, we will give you extra guidance and explanations through the appraisal process to more fully understand what we do and how we document the results of our analysis.

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

It's very hard to be objective about your own house because of your emotional attachment to it. Professional appraisers, like the ones at Puccio & York, LLC, are objective. We will tell you what you need to know, not just what you want to hear. In addition to helping you set a realistic price to sell at so your home will attract many interested buyers, a professional appraisal is very crucial as a negotiating tool once you have an interested buyer. The appraisal is something tangible to show the buyer. An 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. Interested buyers assume that you have an emotional attachment to your house and will be more likely to give credibility to a qualified appraiser's value opinion than yours.

Appraisals to cancel PMI

A preferred money saver for homeowners is to get the PMI canceled 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 less than 80% of the value of your property. In most cases you can apply to a lender to have the PMI canceled from your loan. Puccio & York, LLC is veterans in helping homeowners just like you delete unwanted PMI insurance.

Challenging a property tax assessment

Lets say your home is not appreciating as much as other homes close to yours -- your local tax assessor may have your house overvalued. This means you're going to pay higher taxes than you should be paying. The sooner you take care of a matter like this, the better off you'll be, since your property assessment may likely go up again in the next period. Getting a professional appraisal from Puccio & York, LLC is your best weapon when challenging your property tax assessment.

Was your HELOC recently frozen?

Even if your specific property has not declined in value, your lender just may make the decision to automatically freeze your home equity line of credit (HELOC) if your house is close to a declining area. This can be be damaging 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. Puccio & York, LLC can help you reinstate your home equity line of credit with a professional appraisal.

We Also Offer Field and Desktop Appraisal Review Services

Would you like a second opinion without the added expense and delay of waiting for a whole new appraisal? Or do you desire a veteran appraiser to double-check your appraisal for preciseness? Puccio & York, LLC offers field reviews where we go out and check the subject and comps. 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 you with a a retrospective review of any appraisal you may have had in the past. Even though this is typically requested by banks, you may need to utilize this service if you suspect mortgage fraud related to your home.