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

The top reasons VA homeowners hire Lisa Hockman:

  1. To get a pre-listing appraisal (whether they're selling the home themselves or using a real estate agent)
  2. Challenge property tax assessments
  3. Remove PMI to lower their mortgage payments
  4. To reinstate your Home Equity Line of Credit (HELOC)
  5. To review a different appraiser's report for verification
  6. If real estate property needs to be divided because of a divorce
  7. Determine the true market value of real estate in question to settle an estate in Spotsylvania county or VA

Do you own a house in or near Spotsylvania? Do you need help deciding the value of your real estate?
Contact Lisa Hockman.

At Lisa Hockman, we understand the unique needs of a customer after appraisal services. While our typical business clients understand the appraisal process and standard reporting formats, you as a consumer will get extra 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 house, it's often very hard to be objective about it. Our professional appraisers at Lisa Hockman are objective. We won't just tell you what you want to hear, we'll tell you what you need to know. A professional appraisal is a very valuable negotiating tool once you have an interested buyer, in addition to helping you set a realistic price to sell at so your house will attract interested buyers. It gives you something tangible to show the buyer. The appraisal is an independent third party's opinion of your property's value, not just you saying how much you think your house is worth. Interested buyers know you have an emotional attachment to your house and will be more likely to give credibility to an accomplished appraiser's value opinion than yours.

Appraisals to cancel PMI

A fashionable way to save money 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". Once your mortgage loan is less than 80% of the value of your house, in most cases you can apply to a lender to have the PMI eliminated from your loan, which will make your monthly payments go down. We are veterans in helping customers just like you remove unwanted and unneeded PMI insurance.

Challenging a property tax assessment

Lets say you live in an area that's going down -- your local tax assessor may have your house overvalued. That only means you're going to pay more taxes than you should. Since your property assessment may likely go up again in the next period, the sooner you take care of things like this, the better. Getting an expert appraisal from Lisa Hockman is your perfect weapon when challenging your property tax assessment.

Recently got a freeze your HELOC?

Even if your specific property has not declined in value, your lender might choose to automatically freeze your home equity line of credit (HELOC) if your property is in a declining area. This can this be inconvenient from a cash flow viewpoint, and negative on your credit score since it may appear as though that credit line is maxed out. Lisa Hockman can provide you with an expert appraisal that will help you reinstate your home equity line of credit.

Need Field and Desktop Appraisal Review Services?

Do you need a seasoned appraiser to double-check your appraisal for accuracy, or do you want a second opinion without the cost and delay of waiting for a whole new appraisal? An appraiser from Lisa Hockman can go out and check the subject and comps in question in a field review. 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.

Need a retrospective review of an appraisal? We can We can assist you Even though this is typically requested by banks, you may desire to utilize this service if you suspect mortgage fraud related to your house.