Attention homeowners: Real estate appraisal services for in Portland and Cumberland County

The top 7 reasons ME homeowners hire Portfolio Appraisals, Inc.:

To get a pre-listing appraisal (whether they're selling the home themselves or using an agent)
Challenge Cumberland county's assessment of your property
To lower a mortgage payments by removing PMI
To reinstate your Home Equity Line of Credit (HELOC)
Verify another appraiser's report
In the case of a ME divorce, where property needs to be divided
Settle an estate in ME by determining the true market value of property in question

Do you own a home in or near Portland? Do you need help determining the price of your real estate?
Contact Portfolio Appraisals, Inc..

At Portfolio Appraisals, Inc., we understand the unique needs of a homeowner in need of appraisal services. While our usual business clients understand the appraisal process and standard reporting formats, you as a consumer will get an extra level of 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 (FSBO)

Since you have an emotional attachment to your home, it's often very hard to be objective about it. A professional appraiser is objective and will tell you what you need to know, not just what you want to hear. In addition to helping you set a realistic price to sell at so your house will attract many interested buyers, a professional appraisal is very crucial as a negotiating tool once you have an interested buyer. It's something concrete to show your buyer. The appraisal is an independent third party's opinion of your house's price, not just how much you think your home is worth. Interested buyers assume that you have an emotional attachment to your home and will be much more likely to give credibility to a qualified appraiser's value opinion than yours.

PMI Removal Appraisals

Getting the PMI (Private Mortgage Insurance) removed from your mortgage loan is a fashionable money saver for homeowners. Your monthly payments will go down 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 eliminated from your loan. At Portfolio Appraisals, Inc., we're veterans in helping folks just like you delete unneeded PMI insurance.

Challenge Tax Assessment

Lets say you live in a local area that is declining -- your local tax assessor may have your house overvalued. This only means you're going to pay higher taxes than you should be paying. The earlier 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. When challenging your property tax assessment, getting an appraisal from Portfolio Appraisals, Inc. is your number one weapon.

HELOC recently frozen?

Your lender might make the decision to automatically freeze your home equity line of credit (HELOC) if your property is in or near a declining area -- even if your specific property has not declined in value. Not only can this be inconvenient from a cash flow standpoint, but it can be negative on your credit score since it may appear as though that credit line is maxed out. Portfolio Appraisals, Inc. can help you reinstate your home equity line of credit with an expert appraisal.

Do You Need Field and Desktop Appraisal Review Services?

Have you just accepted a copy of your appraisal and you'd like to have an expert double-check it for precision or do you desire a second opinion without the added expense and delay of waiting for a whole new appraisal? In a field review we'll go out and check the subject and comparables. Or, if you're 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.

Need a retrospective review of an appraisal? We can We can assist you While usually requested by banks, you may desire to employ this service if you suspect mortgage fraud related to your house.