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

Here are the top reasons ME homeowners call on Stephanie Deredin:

  1. Pre-listing appraisals (whether they're selling the home on their own or using a real estate agent)
  2. Challenge Waldo county's assessment of your property
  3. To reduce your mortgage payment by removing PMI
  4. Reinstate your Home Equity Line of Credit (HELOC)
  5. Review another appraiser's report for verification
  6. If real estate needs to be divided because of a divorce
  7. To determine the true market value of real estate in question to settle an estate in Waldo County or the state of ME

Need help determining the price of your house in or near Belfast, ME?
Contact Stephanie Deredin.

We at Stephanie Deredin understand the particular needs of a customer looking for 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 home because you probably have an emotional attachment to it. The professional appraisers at Stephanie Deredin will tell you what you need to know -- not just what you want to hear. We are objective. In addition to helping you set a realistic price to sell at so your house will attract buyers, a professional appraisal is a very valuable negotiating tool once you have an interested buyer. It gives you something concrete to show the buyer. The appraisal is an independent third party's opinion of your house's value, not just how much your home is worth. Potential buyers assume that you have an emotional attachment to your house and will be more likely to give credibility to an expert appraiser's value conclusion than yours.

PMI Removal Appraisals

PMI stands for Private Mortgage Insurance. A fashionable money saver for homeowners is getting 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 below 80% of the value of your property. In most cases you can apply to your lender to have the PMI canceled from your loan. At Stephanie Deredin, we're experts in helping people just like you rid themselves of unneeded PMI insurance.

Challenge Tax Assessment

Your local tax assessor may have your home overvalued if you live in a local area that's declining. That means you're paying more taxes than you should. The faster you take care of a matter like this, the better off you'll be, since your property assessment may likely go up again in the next period. An expert appraisal from Stephanie Deredin is your chief weapon when challenging your property tax assessment.

Recently got a freeze your HELOC?

Your lender just may make the decision to automatically freeze your home equity line of credit (HELOC) if your house is in a declining area -- even if your specific property has not declined in value. This can this be inconvenient from a cash flow standpoint, and detrimental to your credit score since it may appear as though that credit line is maxed out. Stephanie Deredin can help you reinstate your home equity line of credit with an expert appraisal.

We Provide Field and Desktop Appraisal Review Services

Do you need a veteran appraiser to double-check your appraisal for precision, or do you desire a second opinion without the charge and delay of waiting for a whole new appraisal? An appraiser from Stephanie Deredin can go out and check the subject and comps in a field review. Or, if you need it in a rush, we can provide 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 report you may have had in the past. While usually requested by banks, you may want to exercise this service if you suspect mortgage fraud related to your house.