Attention homeowners in Rutland and Rutland County: Need an appraisal?

The top 7 reasons why VT homeowners use Renee C. Dumas:

  1. To get a pre-listing appraisal (whether you're using a real estate agent or selling the home on your own)
  2. To challenge a VT property tax assessment
  3. Remove PMI to reduce a mortgage payments
  4. Reinstate their Home Equity Line of Credit (HELOC)
  5. To review a different appraiser's report for verification
  6. In the case of a VT divorce, where property needs to be divided
  7. To settle an estate in Rutland county or VT by determining the true market value of property in question

Own a home in or near Rutland, VT and need help deciding the value of it?
Contact Renee C. Dumas.

At Renee C. Dumas, we understand the unique needs of a customer after appraisal services. While our typical 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

It's very hard to be objective about your own house because of your emotional attachment to it. A professional appraiser is objective and will tell you what you need to know, not just what you want to hear. A professional appraisal is very important as a negotiating tool once you have a potential buyer, in addition to helping you set a realistic price to sell at so your house will attract buyers. The appraisal is something concrete to show your buyer. The appraisal is an independent third party's opinion of your home's value, not just you saying how much you think your home is worth. Potential buyers assume you have an emotional attachment to your house and will be much more likely to give credibility to a professional appraiser's value opinion than yours.

Appraisals to remove PMI

Getting the PMI (Private Mortgage Insurance) removed from your mortgage loan is a preferred way to cut expenses for homeowners. Once your mortgage loan is below 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're experienced in helping customers just like you do away with unnecessary PMI insurance.

Challenging property tax assessments

Lets say your house is not appreciating as much as other homes nearby -- your local tax assessor may have your house overvalued. This means you're paying higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the faster you take care of a matter like this, the better. An appraisal from Renee C. Dumas is your #1 weapon when contesting your property tax assessment.

Recently got a freeze your HELOC?

Even if your specific property has not declined in value, your lender just might decide to automatically freeze your home equity line of credit (HELOC) if your house is near a declining area. This can be be bad for your credit score since it may appear as though that credit line is maxed out, and also inopportune from a cash flow viewpoint. An appraisal from Renee C. Dumas can help you reinstate your HELOC.

We Provide Field and Desktop Appraisal Review Services

Have you just accepted a copy of your appraisal and you would like to have a seasoned expert double-check it for accuracy or do you desire a second opinion without the charge and delay of waiting for a whole new appraisal? We can go out and check the subject and comparables in a field review. If you need it immediately, we'll 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? We can help with that too. While usually requested by banks, you may want to take advantage of this service if you suspect mortgage fraud related to your property.