Need an appraisal in Salem or Roanoke County?

See the top seven reasons why VA homeowners use Helm & Assoc Inc:

Find the right listing price (whether they're selling the home themselves or using an agent)
Challenge property tax assessments
Remove PMI to lower a mortgage payment
Reinstate your Home Equity Line of Credit (or HELOC)
Verify a different appraiser's report
If real estate needs to be divided because of a divorce
To determine the true market value of real estate in question to settle an estate in VA

Do you own a home in or near Salem? Do you need help determining the value of your real estate?
Contact Helm & Assoc Inc.

At Helm & Assoc Inc, we understand the unique needs of a homeowner seeking appraisal services. Our typical business clients understand the appraisal process and the customary "products" we deliver to them. As our client, you will receive extra guidance and explanations through the appraisal process to more clearly understand what we do and how we report the results of our analysis.

For Sale By Owner/Pre-Listing Services

It's very hard to be objective about your own house because you probably have an emotional attachment to it. The professional appraisers at Helm & Assoc Inc 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 crucial negotiating tool once you have a potential buyer. It gives you something concrete to show your buyer. It's an independent third party's opinion of your home's price, and not just you saying 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 experienced appraiser's value assessment than yours.

Need to remove PMI?

Getting the PMI (Private Mortgage Insurance) removed from your mortgage loan is a preferred way to cut costs for homeowners. Once your mortgage loan is below 80% of the value of your house, in most cases you can apply to the lender to have the PMI eliminated from your loan, which will make your monthly payments go down. We're seasoned in helping people just like you delete unneeded PMI insurance.

Challenging property tax assessments

If you live in an area that is declining or not appreciating as much as other properties close to yours, your local tax assessor may have your home overvalued. That only means you're most likely 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. Getting an expert appraisal from Helm & Assoc Inc is your perfect weapon when challenging your property tax assessment.

Recently got a freeze your HELOC?

Even if your specific property has not declined in value, your lender might just decide to automatically freeze your home equity line of credit (HELOC) if your property is near a declining area. This can be be unfavorable to your credit score since it may appear as though that credit line is maxed out, and also troublesome from a cash flow standpoint. Helm & Assoc Inc can help you reinstate your home equity line of credit with efficient appraisal.

We Also Provide Field and Desktop Appraisal Review Services

Do you need a seasoned appraiser to double-check your appraisal for accuracy, or do you want a second opinion without the added expense and delay of waiting for a whole new appraisal? In a field review we will go out and check the subject and comparables. 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.

Need a retrospective review of an appraisal? We can help with that too. Even though this is typically requested by banks, you may want to take advantage of this service if you suspect mortgage fraud related to your house.