Attention homeowners in Rumford and Providence County: Get an Appraisal today!

The top reasons RI homeowners use P White Appraisal:

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

Own a house in or near Rumford, RI and need help deciding the price of it?
Contact P White Appraisal.

We at P White Appraisal understand the special needs of a homeowner looking for 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.

For Sale By Owner/Pre-Listing Services

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. A professional appraisal is very crucial as a negotiating tool once you have an interested buyer, in addition to helping you set a realistic selling price so your house will attract buyers. It gives you something concrete to show your buyer. The appraisal is an independent third party's opinion of your home's price, not just how much your house is worth. Potential buyers know you have an emotional attachment to your house and will be far more likely to give credibility to an experienced appraiser's value assessment than yours.

Appraisals to remove PMI

Getting the PMI (Private Mortgage Insurance) eliminated from your mortgage loan is a preferred way to cut costs for homeowners. Your monthly payments will go down once your mortgage loan amount is below 80% of the value of your house. In most cases you can apply to the lender to have the PMI eliminated from your loan. We are experienced in helping consumers just like you rid themselves of unneeded PMI insurance.

Challenging Providence county's assessment of your property

Your local tax assessor may have your home overvalued if you live in a region that is going down or is not appreciating as much as other properties close to yours. That only means you're most likely paying more taxes than you should. The faster you take care of a matter like this, the better, since your property assessment may likely go up again in the next period. An expert appraisal from P White Appraisal is your best weapon when contesting your property tax assessment.

HELOC recently frozen?

Your lender might just choose to automatically freeze your home equity line of credit (HELOC) if your property is close to a declining area -- even if your specific property has not declined in value. Not only can this be troublesome from a cash flow point of view, but it can be harmful to your credit score since it may appear as though that credit line is maxed out. P White Appraisal can help you reinstate your home equity line of credit with a professional appraisal.

We Also Offer Field and Desktop Appraisal Review Services

Do you need an expert to double-check your appraisal for efficiency, or do you need a second opinion without the expense and delay of waiting for a whole new appraisal? An appraiser from P White Appraisal can go out and check the subject and comparables in question in a field review. If you need it ASAP, we'll provide you with a 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 report? P White Appraisal can We can assist you. While usually requested by banks, you may need to use this service if you suspect mortgage fraud related to your house.