Attention homeowners in Carbondale and Lackawanna County: Need an appraisal?

Here are the top seven reasons why PA homeowners order from Ruddy Realty:

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

Need help deciding the price of your house in or near Carbondale, PA?
Contact Ruddy Realty.

At Ruddy Realty, we understand the particular needs of a homeowner looking for appraisal services. Our business practices and reporting formats are relatively routine to our business clients like lenders, lawyers, and CPAs. As our valued client, you will receive extra guidance and explanations through the appraisal process to more clearly understand what we do and how we report our findings.

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

Since you have an emotional attachment to your own house, it's often very hard to be objective about it. The professional appraisers at Ruddy Realty will tell you what you need to know -- not just what you want to hear. We are objective. A professional appraisal is a very important negotiating tool once you have a potential buyer, in addition to helping you set a realistic selling price so your property will attract buyers. It gives you something concrete to show the buyer. The appraisal is an independent third party's opinion of your house's price, not just how much your house is worth. Potential buyers know you have an emotional attachment to your home and will be much more likely to give credibility to an expert appraiser's value judgement than yours.

PMI Removal Appraisals

Getting the PMI (Private Mortgage Insurance) removed from your mortgage loan is an attractive way to save money for homeowners. Your monthly payments will go down once your mortgage loan is less than 80% of the value of your house. In most cases you can apply to a lender to have the PMI canceled from your loan. We're qualified in helping folks just like you rid yourselves of undesirable PMI insurance.

Challenge Lackawanna county's assessment of your property

Your local tax assessor may have your home overvalued if your home not appreciating as much as other homes close to yours. That means you're paying more taxes than you should. 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. An appraisal report from Ruddy Realty is your perfect weapon when contesting your property tax assessment.

Recently got a freeze your HELOC?

Even if your specific property has not declined in value, your lender just might decide to automatically freeze your home equity line of credit (HELOC) if your property is close to a declining area. This can be be negative on your credit score since it may appear as though that credit line is maxed out, and also unsuitable from a cash flow point of view. Ruddy Realty can help you reinstate your home equity line of credit with efficient appraisal.

We Provide Field and Desktop Appraisal Review Services

Do you need a professional to double-check your appraisal for verity, or do you desire a second opinion without the charge and delay of waiting for a whole new appraisal? In a field review we will go out and check the subject and comps in question. Or, if you need it in a rush, we can 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? Ruddy Realty can We can assist you. While usually requested by banks, you may want to use this service if you suspect mortgage fraud related to your house.