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

The top 7 reasons VA homeowners hire Wingate Spicer & Co LLC:

  1. Find the right listing price (whether you're using an agent or selling the home on your own)
  2. Challenge a property tax assessment
  3. To lower a mortgage payments by removing PMI
  4. To reinstate your Home Equity Line of Credit (or HELOC)
  5. Verify a different appraiser's report
  6. In the case of a VA divorce, where real estate property needs to be divided
  7. Settle an estate in VA by determining the true market value of property in question

Need help determining the price of your home in or near Roanoke, VA?
Contact Wingate Spicer & Co LLC.

At Wingate Spicer & Co LLC, we understand the individual needs of a customer seeking appraisal services. Our customary business clients understand the appraisal process and the usual reporting formats. But as a consumer,we will give you extra guidance and explanations through the appraisal process to more fully understand what we do and how we report the results of our analysis.

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

It's very hard to be objective about your home because of your emotional attachment to it. Professional appraisers, like the ones at Wingate Spicer & Co LLC, will be objective. We'll tell you what you need to know, not just what you want to hear. In addition to helping you set a realistic selling price so your house will attract buyers, a professional appraisal is a very important negotiating tool once you have a likely buyer. It gives you something concrete to show the buyer. An appraisal is an independent third party's opinion of your property's price -- not just you saying how much your house is worth. Potential buyers know you have an emotional attachment to your house and will be more likely to give credibility to a seasoned appraiser's value assessment than yours.

Appraisals to cancel PMI

PMI stands for Private Mortgage Insurance. A fashionable money saver for homeowners is to get the PMI removed from their mortgage loan, thus saving them money on their monthly payments. Your monthly payments will go down once your mortgage loan is down below 80% of the value of your home. In most cases you can apply to the lender to have the PMI eliminated from your loan. We are seasoned in helping folks just like you rid themselves of unwanted and unneeded PMI insurance.

Challenge a property tax assessment

Your local tax assessor may have your home overvalued if you live in a local area that's declining or is not appreciating as much as other houses close by. That only means you're paying more taxes than you should. The faster you take care of things like this, the better, since your property assessment may likely go up again in the next period. An appraisal report from Wingate Spicer & Co LLC is your perfect weapon when challenging your property tax assessment.

Recently got a freeze your HELOC?

If your property is in a declining area, your lender may just choose to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can be be negative on your credit score since it may appear as though that credit line is maxed out, and also unsuitable from a cash flow viewpoint. Wingate Spicer & Co LLC can provide you with an expert appraisal that will help you reinstate your HELOC.

We Offer Field and Desktop Appraisal Review Services

Do you need a seasoned appraiser to double-check your appraisal for efficiency, or do you want a second opinion without the expense and delay of waiting for a whole new appraisal? An appraiser from Wingate Spicer & Co LLC can go out and check the subject and comparables in question in a field review. If you need it immediately, we'll provide 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 While usually requested by banks, you may want to exploit this service if you suspect mortgage fraud related to your house.