Attention homeowners in Charlottesville and Albemarle County: Get an Appraisal today!

Here are the top seven reasons VA homeowners use Kristopher Galione:

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

Do you own a house in or near Charlottesville? Do you need help determining the price of your real estate?
Contact Kristopher Galione.

At Kristopher Galione, we understand the unique needs of a consumer after appraisal services. While our typical business clients understand the appraisal process and standard reporting formats, you as a consumer will get an extra level of customer service in the form of an explanation of the process and even special consumer-friendly reporting forms if the assignment allows for them.

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

Since you have an emotional attachment to your home, it's often very hard to be objective about it. Professional appraisers, like the ones at Kristopher Galione, are objective. We will tell you what you need to know, not just what you want to hear. In addition to helping you set a realistic selling price so your house will attract interested buyers, a professional appraisal is very valuable as a negotiating tool once you have an attainable buyer. It's something tangible to show the 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. Potential buyers know that you have an emotional attachment to your home and will be much more likely to give credibility to an experienced appraiser's value conclusion than yours.

Appraisals to cancel PMI

PMI stands for Private Mortgage Insurance. A fashionable money saver for homeowners is to get 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 below 80% of the value of your home. In most cases you can apply to your lender to have the PMI canceled from your loan. We're experienced in helping consumers just like you rid yourselves of unneeded PMI insurance.

Challenge property tax assessments

If you live in a region that is going down or not appreciating as much as other houses nearby, your local tax assessor may have your house overvalued. This only means you are most likely paying higher taxes than you should be paying. The quicker you take care of a matter like this, the better, since your property assessment may likely go up again in the next period. Getting an expert appraisal from Kristopher Galione is your best weapon when contesting your property tax assessment.

Recently got a freeze your HELOC?

If your home is in a declining area, your lender just may 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 inconvenient from a cash flow angle, but it can be unfavorable to your credit score since it may appear as though that credit line is maxed out. Kristopher Galione can help you reinstate your home equity line of credit with an expert appraisal.

Need Field and Desktop Appraisal Review Services?

Would you wish a second opinion without the expense and delay of waiting for a whole new appraisal? Or do you desire a seasoned appraiser to double-check your appraisal for verity? An appraiser from Kristopher Galione can go out and check the subject and comparables in a field review. If you need it ASAP, we'll 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 you with a a retrospective review of any appraisal report you may have had done before. While usually requested by banks, you may want to exercise this service if you suspect mortgage fraud related to your property.