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

The top seven reasons WV homeowners need CS Valuation:

  1. Pre-listing appraisals (whether they're selling the home themselves or using an agent)
  2. To challenge a WV property tax assessment
  3. To lower their mortgage payment by removing PMI
  4. To reinstate your Home Equity Line of Credit (HELOC)
  5. Review another appraiser's report for verification
  6. In the case of a WV divorce, where property needs to be divided
  7. To settle an estate in Hampshire county or WV by determining the true market value of property in question

Own a house in or near Romney, WV and need help deciding the price of it?
Contact CS Valuation.

At CS Valuation, we understand the particular needs of a consumer looking for appraisal services. While our typical business clients understand the appraisal process and standard reporting formats, you as a consumer will get extra 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

Since you have an emotional attachment to your own house, 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. In addition to helping you set a realistic selling price so your house will attract interested buyers, a professional appraisal is very important as a negotiating tool once you have an interested buyer. The appraisal is something concrete to show the buyer. The appraisal is an independent third party's opinion of your house's value, not just how much you think your home is worth. Potential buyers know you have an emotional attachment to your home and will be much more likely to give credibility to a professional appraiser's value estimation than yours.

Appraisals to cancel PMI

A fashionable way to cut expenses 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 amount is less than 80% of the value of your home. In most cases you can apply to your lender to have the PMI eliminated from your loan. At CS Valuation, we're experts in helping customers just like you dismiss unwanted and unneeded PMI insurance.

Challenging property tax assessments

If you live in an area that is going down or not appreciating as much as other homes close to yours, your local tax assessor may have your house overvalued. That only means you're going to pay more taxes than you should. The sooner you take care of things like this, the better off you'll be, since your property assessment may likely go up again in the next period. A professional appraisal from CS Valuation is your #1 weapon when challenging your property tax assessment.

Recently got a freeze your HELOC?

Your lender may just decide to automatically freeze your home equity line of credit (HELOC) if your home is in or near a declining area -- even if your specific property has not declined in value. Not only can this be inconvenient from a cash flow viewpoint, but it can be detrimental to your credit score since it may appear as though that credit line is maxed out. CS Valuation can help you reinstate your home equity line of credit with a professional appraisal.

We Offer Field and Desktop Appraisal Review Services

Do you need a seasoned expert to double-check your appraisal for verity, or do you want a second opinion without the charge and delay of waiting for a whole new appraisal? In a field review we will go out and check the subject and comps in question. Or, if you need it immediately, 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.

We can also provide a retrospective review of any appraisal you may have had in the past. While typically requested by banks, you may want to use this service if you suspect mortgage fraud related to your house.