Need an appraisal in Cranston or Providence County?

Here are the top seven reasons RI homeowners call on Janice Deloia:

Find the right listing price (whether you're using a real estate agent or selling the home on your own)
Challenge Providence county's assessment of your propertyworth
Remove PMI to lower their mortgage payment
Reinstate their Home Equity Line of Credit (HELOC)
To review another appraiser's report for verification
In the case of a RI divorce, when real estate property needs to be divided
To settle an estate in RI by determining the true market value of real estate in question

Do you own a home in or near Cranston? Do you need help deciding the value of your real estate?
Contact Janice Deloia.

At Janice Deloia, we understand the individual needs of a consumer looking for appraisal services. While our usual clients understand the appraisal process and standard reporting formats, you as a consumer will get extra 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. Professional appraisers, like the ones at Janice Deloia, will be objective. We will tell you what you need to know, not just what you want to hear. A professional appraisal is very crucial as a negotiating tool once you have a potential buyer, in addition to helping you set a realistic price to sell at so your house will attract interested buyers. The appraisal is something tangible to show the buyer. An appraisal is an independent third party's opinion of your house's value -- not just you saying how much your house is worth. Potential buyers know that you have an emotional attachment to your home and will be more likely to give credibility to an accomplished appraiser's value assessment than yours.

Appraisals to remove PMI

An attractive way to cut expenses 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". Your monthly payments will go down once your mortgage loan amount is below 80% of the value of your property. In most cases you can apply to a lender to have the PMI eliminated from your loan. We are experienced in helping consumers just like you remove unneeded and unwanted PMI insurance.

Challenge a property tax assessment

If you live in a local area that is going down or not appreciating as much as other houses close by, your local tax assessor may have your house overvalued. That means you are probably paying more taxes than you should. 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. Getting an appraisal report from Janice Deloia is your #1 weapon when contesting your property tax assessment.

HELOC recently frozen?

Even if your specific property has not declined in value, your lender may choose to automatically freeze your home equity line of credit (HELOC) if your house is in a declining area. This can be be bad for your credit score since it may appear as though that credit line is maxed out, and also troublesome from a cash flow standpoint. Janice Deloia can help you reinstate your home equity line of credit with efficient appraisal.

Do You Need Field and Desktop Appraisal Review Services?

Have you just been given a copy of your appraisal and you would like to have a seasoned appraiser double-check it for efficiency or do you want a second opinion without the added expense and delay of waiting for a whole new appraisal? We 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? We can help you with that While usually requested by banks, you may need to use this service if you suspect mortgage fraud related to your home.