Attention homeowners in Morgantown and Monongalia County: Need an appraisal?

Here are the top reasons WV homeowners need Spiker Appraisals:

Find the right listing price (whether you're using a real estate agent or selling the home on your own)
Challenge property tax assessments
To cut their mortgage payment by removing PMI
Reinstate your Home Equity Line of Credit (HELOC)
Review another appraiser's report for verification
In the case of a WV divorce, when real estate property needs to be divided
To determine the true market value of real estate in question to settle an estate in Monongalia County or the state of WV

Own a house in or near Morgantown, WV and need help deciding the price of it?
Contact Spiker Appraisals.

At Spiker Appraisals, we understand the unique needs of a consumer seeking appraisal services. The appraisal process and reporting formats are familiar to our business clients like banks, lawyers, and CPAs. As our non-traditionalclient, you will receive extra guidance and explanations through the appraisal process to understand what we do and how we document our conclusions.

Pre-listing Services/For Sale By Owner

It's very hard to be objective about your house because you probably have an emotional attachment to it. Professional appraisers, like the ones at Spiker Appraisals, will be objective. We will tell you what you need to know, not just what you want to hear. A professional appraisal is very crucial as a negotiating tool once you have a likely buyer, in addition to helping you set a realistic selling price so your home will attract many interested buyers. It's something concrete to show your buyer. It's an independent third party's opinion of your house's value, and not just you saying how much your home is worth. Interested buyers know you have an emotional attachment to your home and will be much more likely to give credibility to a qualified appraiser's value opinion than yours.

PMI Removal Appraisals

PMI stands for Private Mortgage Insurance. A fashionable way to save money for homeowners is getting the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. Your monthly payments will go down once your mortgage loan is less than 80% of the value of your home. In most cases you can apply to a lender to have the PMI canceled from your loan. Spiker Appraisals is seasoned in helping consumers just like you dismiss unwanted PMI insurance.

Challenge Tax Assessment

Your local tax assessor may have your house overvalued if you live in a region that's going down or not appreciating as much as other homes close to yours. That only means you're probably paying more taxes than you should. 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 off you'll be. An expert appraisal from Spiker Appraisals is your number one weapon when contesting your property tax assessment.

Recently got a freeze your HELOC?

Your lender may make the decision to automatically freeze your home equity line of credit (HELOC) if your property is near a declining area -- even if your specific property has not declined in value. This can be be harmful to your credit score since it may appear as though that credit line is maxed out, and also unsuitable from a cash flow viewpoint. Spiker Appraisals can help you reinstate your HELOC.

Field and Desktop Appraisal Review Services

Would you wish a second opinion without the charge and delay of waiting for a whole new appraisal? Or do you want a seasoned appraiser to double-check your appraisal for verity? Spiker Appraisals offers field reviews where we go out and check the subject and comparables. If you need it in a rush, we'll provide 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 report? We can help you with that Even though this is usually requested by banks, you may wish to use this service if you suspect mortgage fraud related to your property.