Need an appraisal in Strafford or Orange County?

The top seven reasons why VT homeowners use Linda Torrey:

  1. Get a pre-listing appraisal (whether you're using a real estate agent or selling the home on your own)
  2. To challenge a VT property tax assessment
  3. Remove PMI to reduce your mortgage payments
  4. Reinstate their Home Equity Line of Credit (HELOC)
  5. To review another appraiser's report for verification
  6. In the case of a VT divorce, where property needs to be divided
  7. To settle an estate in VT by determining the true market value of property in question

Need help determining the value of your house in or near Strafford, VT?
Contact Linda Torrey.

At Linda Torrey, we understand the unique needs of a homeowner in need of 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 (FSBO)/Pre-Listing Services

Since you have an emotional attachment to your house, it's often very hard to be objective about it. The professional appraisers at Linda Torrey will tell you what you need to know -- not just what you want to hear. We are objective. A professional appraisal is a very valuable negotiating tool once you have a potential buyer, in addition to helping you set a realistic selling price so your house will attract many interested buyers. It gives you 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 you think your home is worth. Potential buyers assume you have an emotional attachment to your house and will be much more likely to give credibility to an accomplished appraiser's value judgement than yours.

PMI Removal Appraisals

Getting the PMI (Private Mortgage Insurance) removed from your mortgage loan is a preferred way to cut expenses for homeowners. Once your mortgage loan is down below 80% of the value of your property, in most cases you can apply to your lender to have the PMI eliminated from your loan, which will make your monthly payments go down. At Linda Torrey, we're experts in helping people just like you do away with unnecessary PMI insurance.

Challenge Tax Assessment

If you live in an area that is declining or is not appreciating as much as other homes close by, your local tax assessor may have your home overvalued. That means you're going to pay more taxes than you should. The faster you take care of a matter like this, the better off you'll be, since your property assessment may likely go up again in the next period. An expert appraisal from Linda Torrey is your strongest weapon when contesting your property tax assessment.

Recently got a freeze your HELOC?

If your home is near a declining area, your lender may decide to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can this be inopportune from a cash flow standpoint, and negative on your credit score since it may appear as though that credit line is maxed out. Linda Torrey can provide you with efficient appraisal to help you reinstate your HELOC.

We Provide Field and Desktop Appraisal Review Services

Do you need a veteran appraiser to double-check your appraisal for accuracy, or do you desire a second opinion without the cost and delay of waiting for a whole new appraisal? An appraiser from Linda Torrey can go out and check the subject and comps in a field review. Or, if you need it ASAP, 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 report? We can We can assist you Even though this is typically requested by banks, you may need to utilize this service if you suspect mortgage fraud related to your home.