Appraisal services for Wilton and Hillsborough County homeowners

Here are the top seven reasons why NH homeowners order from Chris Morse:

Find the right listing price (whether they're selling the home on their own or using a real estate agent)
Challenge property tax assessments
To cut a mortgage payments by removing PMI
To reinstate their Home Equity Line of Credit (or HELOC)
To review another appraiser's report for verification
In the case of a NH divorce, where real estate property needs to be divided
Settle an estate in NH by determining the true market value of property in question

Need help deciding the value of your home in or near Wilton, NH?
Contact Chris Morse.

At Chris Morse, we understand the special needs of a homeowner looking for appraisal services. Our regular business clients are used to the appraisal process and the standard documents we provide. As our client, we will give you extra guidance and explanations through the appraisal process to understand what we do and how we present our conclusions.

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

It's very hard to be objective about your own house because you most likely have an emotional attachment to it. Our professional appraisers at Chris Morse 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 crucial negotiating tool once you have a potential buyer, in addition to helping you set a realistic selling price so your property will attract interested buyers. It's something tangible to show the buyer. The appraisal is an independent third party's opinion of your property's price, not just how much you think your house is worth. Potential buyers know that you have an emotional attachment to your home and will be far more likely to give credibility to a professional appraiser's value assessment than yours.

Appraisals to cancel PMI

PMI stands for Private Mortgage Insurance. An attractive way to cut expenses for homeowners is getting the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. Your monthly payments will go down once your mortgage loan amount is down below 80% of the value of your property. In most cases you can apply to the lender to have the PMI eliminated from your loan. We are experienced in helping consumers just like you dismiss unwanted 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. This only means you are going to pay 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 things like this, the better. When contesting your property tax assessment, getting an appraisal from Chris Morse is your number one weapon.

Was your HELOC recently frozen?

If your house is near a declining area, your lender might make the decision to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. Not only can this be difficult and inconvenient from a cash flow angle, but it can be damaging to your credit score since it may appear as though that credit line is maxed out. Chris Morse can help you reinstate your HELOC.

We Provide Field and Desktop Appraisal Review Services

Have you just been handed a copy of your appraisal and you would prefer to have a seasoned professional double-check it for efficiency or do you want a second opinion without the expense and delay of waiting for a whole new appraisal? Chris Morse offers field reviews where we'll go out and check the subject and comps in question. Or, if you're in a hurry, we can provide desk review and verify as many facts as we can using online data sources as well as our own files.

Do you need a retrospective review of an appraisal? Chris Morse can We can assist you. Even though this is usually requested by banks, you may need to utilize this service if you suspect mortgage fraud related to your property.