Attention homeowners in Woodford and Caroline County: Get an Appraisal today!

The top 7 reasons why VA homeowners use Kimberly Napier:

Get a pre-listing appraisal (whether you're using an agent or selling the home on your own)
Challenge Caroline county's assessment of your property
To lower their mortgage payment by removing PMI
Reinstate their Home Equity Line of Credit (or HELOC)
Verify a different appraiser's report
If property needs to be divided because of a divorce
To settle an estate in Caroline county or VA by determining the true market value of real estate in question

Do you own a house in or near Woodford? Do you need help determining the price of your real estate?
Contact Kimberly Napier.

We at Kimberly Napier understand the individual needs of a consumer looking for appraisal services. While our typical business clients understand the appraisal process and standard reporting formats, you as a consumer will get extra customer 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 own home, it's often very hard to be objective about it. Our professional appraisers at Kimberly Napier are objective. We won't just tell you what you want to hear, we'll tell you what you need to know. In addition to helping you set a realistic selling price so your house will attract interested buyers, a professional appraisal is very important as a negotiating tool once you have a likely buyer. It's something concrete to show the buyer. It's an independent third party's opinion of your house's price, and not just how much your home is worth. Interested buyers know that you have an emotional attachment to your house and will be far more likely to give credibility to an expert appraiser's value judgement than yours.

Need to remove PMI?

A popular way to cut expenses for homeowners is getting the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Your monthly payments will go down once your mortgage loan amount is down below 80% of the value of your property. 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 abolish unnecessary PMI insurance.

Challenging Caroline county's assessment of your property

Your local tax assessor may have your home overvalued if you live in a region that is declining. This means you are most likely paying higher taxes than you should be paying. The quicker you take care of things like this, the better off you'll be, since your property assessment may likely go up again in the next period. Getting an appraisal from Kimberly Napier is your chief weapon when contesting your property tax assessment.

Recently got a freeze your HELOC?

Your lender might choose to automatically freeze your home equity line of credit (HELOC) if your home is close to a declining area -- even if your specific property has not declined in value. Not only can this be inconvenient from a cash flow viewpoint, but it can be bad for your credit score since it may appear as though that credit line is maxed out. An expert appraisal from Kimberly Napier can help you reinstate your HELOC.

We Also Offer Field and Desktop Appraisal Review Services

Have you just gotten a copy of your appraisal and you would like to have a seasoned expert double-check it for preciseness or do you need a second opinion without the added 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. If you need it ASAP, we'll 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? Kimberly Napier can help with that too. While typically requested by banks, you may desire to exercise this service if you suspect mortgage fraud related to your home.