Attention homeowners in New Hartford and Litchfield County: Need an appraisal?

Here are the top reasons Connecticut homeowners use Robert J Guiheen:

Get a pre-listing appraisal (whether you're using a real estate agent or selling the home on your own)
To challenge your property tax assessment in Connecticut
Remove PMI to lower a monthly mortgage payment
To reinstate your Home Equity Line of Credit (or HELOC)
To review a different appraiser's report for verification
In the case of a divorce in the state of Connecticut, when real estate property needs to be divided
To settle an estate in Connecticut by determining the true market value of the property in question


	Need help deciding the price of your home in or near New Hartford, Connecticut? Contact Robert J Guiheen.

At Robert J Guiheen, we understand the unique needs of a consumer after appraisal services. Our regular business clients get the appraisal process and the customary "products" we deliver to them. But as a general consumer, we will provide you with extra guidance and explanations through the appraisal process to better understand what we do and how we document our conclusions.

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

Since you have an emotional attachment to your own house, it's often very hard to be objective about it. Professional appraisers, like the ones at Robert J Guiheen, are objective. We will tell you what you need to know, not just what you want to hear. A professional appraisal is very valuable as a negotiating tool once you have a likely buyer, in addition to helping you set a realistic selling price so your property will attract interested buyers. It's something concrete to show the buyer. An appraisal is an independent third party's opinion of your house's value -- not just you saying how much you think your house is worth. Interested buyers assume that you have an emotional attachment to your house and will be far more likely to give credibility to a qualified appraiser's value judgement than yours.

Challenge a property tax assessment

Let's say you live in a region that is declining -- your local tax assessor may have your house overvalued. That only means you're probably paying more taxes than you should. The quicker you take care of things like this, the better, since your property assessment may likely go up again in the next period. An appraisal from Robert J Guiheen is your best weapon when challenging your property tax assessment.

Appraisals to cancel PMI

Getting the PMI (Private Mortgage Insurance) canceled from your mortgage loan is an attractive way to cut expenses for homeowners. Your monthly payments will go down once your mortgage loan is below 80% of the value of your home. In most cases you can apply to the lender to have the PMI eliminated from your loan. We are experts in helping clients just like you delete unwanted and unneeded PMI insurance.

HELOC recently frozen?

If your house is in or near a declining area, your lender just might decide 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 troublesome from a cash flow standpoint, but it can be damaging to your credit score since it may appear as though that credit line is maxed out. Robert J Guiheen can help you reinstate your HELOC.

Need Field and Desktop Appraisal Review Services?

Do you need an expert to double-check your appraisal for preciseness, or do you desire a second opinion without the charge and delay of waiting for a whole new appraisal? Robert J Guiheen offers field reviews where we'll go out and check the subject and comps in question. Or, if you need it in a rush, 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 report you may have had done before. While usually requested by banks, you may desire to make use of this service if you suspect mortgage fraud related to your home.