Attention homeowners in Colchester and New London County: Need an appraisal?

Check out the top reasons CT homeowners use L.B. Brainard and Associates:

Pre-listing appraisals (whether they're selling the home themselves or using a real estate agent)
Challenge property tax assessments
To cut your mortgage payments by removing PMI
To reinstate your Home Equity Line of Credit (HELOC)
Verify a different appraiser's report
If real estate needs to be divided because of a divorce
To determine the true market value of real estate in question to settle an estate

Do you own a house in or near Colchester? Do you need help deciding the value of your real estate?
Contact L.B. Brainard and Associates.

At L.B. Brainard and Associates, we understand the individual needs of a customer looking for appraisal services. While our usual 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/Pre-Listing Services

Since you have an emotional attachment to your house, it's often very hard to be objective about it. Professional appraisers, like the ones at L.B. Brainard and Associates, are objective. We will tell you what you need to know, not just what you want to hear. A professional appraisal is a crucial negotiating tool once you have an attainable buyer, in addition to helping you set a realistic price to sell at so your house will attract many interested buyers. The appraisal is something tangible to show the buyer. An appraisal is an independent third party's opinion of your property's value -- not just how much your house is worth. Potential buyers know that you have an emotional attachment to your house and will be far more likely to give credibility to an experienced appraiser's value opinion than yours.

PMI Removal Appraisals

PMI stands for Private Mortgage Insurance. A preferred 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 property. In most cases you can apply to a lender to have the PMI eliminated from your loan. L.B. Brainard and Associates is veterans in helping customers just like you delete undesirable PMI insurance.

Challenge New London county's assessment of your property

If you live in a region that is declining or is not appreciating as much as other houses close by, your local tax assessor may have your home overvalued. This means you're going to pay higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the earlier you take care of things like this, the better. Getting an appraisal from L.B. Brainard and Associates is your #1 weapon when challenging your property tax assessment.

Recently got a freeze your HELOC?

If your property is in or near a declining area, your lender just might make the decision to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can this be troublesome from a cash flow standpoint, and unfavorable to your credit score since it may appear as though that credit line is maxed out. A professional appraisal from L.B. Brainard and Associates can help you reinstate your HELOC.

Field and Desktop Appraisal Review Services

Have you just received a copy of your appraisal and you would like to have a professional double-check it for precision or do you need a second opinion without the cost and delay of waiting for a whole new appraisal? We can go out and check the subject and comps in question in a field review. Or, if you need it ASAP, 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 report? L.B. Brainard and Associates can We can assist you. Even though this is typically requested by banks, you may desire to exploit this service if you suspect mortgage fraud related to your house.