Appraisal services for Virginia Beach and Virginia Beach City County homeowners

The top reasons VA homeowners call on Anna L Ensley:

Find the right listing price (whether you're using a real estate agent or selling the home on your own)
Challenge Virginia Beach City county's assessment of your property
Remove PMI to cut a mortgage payments
To reinstate your Home Equity Line of Credit (or HELOC)
To review a different appraiser's report for verification
If property needs to be divided because of a divorce
Settle an estate in VA by determining the true market value of property in question

Do you own a house in or near Virginia Beach? Do you need help deciding the price of your real estate?
Contact Anna L Ensley.

We at Anna L Ensley understand the individual needs of a customer after appraisal services. While our usual 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.

Pre-listing Services/For Sale By Owner

Since you have an emotional attachment to your house, it's often very hard to be objective about it. The professional appraisers at Anna L Ensley will tell you what you need to know -- not just what you want to hear. We are objective. A professional appraisal is a crucial negotiating tool once you have an interested buyer, in addition to helping you set a realistic selling price so your house will attract interested buyers. The appraisal is something concrete to show the buyer. The appraisal is an independent third party's opinion of your property's value, not just you saying how much your home is worth. Interested buyers assume you have an emotional attachment to your house and will be much more likely to give credibility to a seasoned appraiser's value assessment than yours.

Appraisals to remove PMI

A fashionable money saver for homeowners is getting the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Once your mortgage loan amount is down below 80% of the value of your house, in most cases you can apply to your lender to have the PMI removed from your loan, which will make your monthly payments go down. Anna L Ensley is experts in helping consumers just like you abolish unwanted and unneeded PMI insurance.

Challenge a property tax assessment

Your local tax assessor may have your house overvalued if your home not appreciating as much as other properties close by. This only means you are going to pay higher taxes than you should be paying. The faster 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. When contesting your property tax assessment, getting an expert appraisal from Anna L Ensley is your #1 weapon.

Was your HELOC recently frozen?

Your lender just might choose to automatically freeze your home equity line of credit (HELOC) if your home is near a declining area -- even if your specific property has not declined in value. Not only can this be troublesome from a cash flow viewpoint, but it can be damaging to your credit score since it may appear as though that credit line is maxed out. Anna L Ensley can help you reinstate your HELOC.

Field and Desktop Appraisal Review Services

Have you just accepted a copy of your appraisal and you would wish to have a seasoned expert double-check it for verity or do you need a second opinion without the cost and delay of waiting for a whole new appraisal? Anna L Ensley offers field reviews where we'll go out and check the subject and comps. Or, if you're in a hurry, we can provide 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 use this service if you suspect mortgage fraud related to your home.