Appraisal services for Bangor and Penobscot County homeowners

Here are the top 7 reasons why Maine homeowners call on American Heritage Appraisals:

Find the right listing price (whether you're using a real estate agent or selling the home on your own)
Challenge a property tax assessment
To lower a mortgage payments by removing PMI
Reinstate their Home Equity Line of Credit (or HELOC)
Verify another appraiser's report
In the case of a divorce in the state of Maine, where real estate property needs to be divided
To determine the true market value of a property to settle an estate in Penobscot County or the state of Maine


	Own a house in or near Bangor, Maine and need help determining the value of it? Contact American Heritage Appraisals.

At American Heritage Appraisals, we understand the particular needs of a consumer after appraisal services. Our business practices and reporting formats are familiar to our business clients like banks, attorneys, and accountants. Being a regular homeowner that ordinarily doesn't see an appraisal every day, you can expect extra guidance and explanations through the appraisal process to better understand what we do and how we present our findings.

Pre-listing Services/For Sale by Owner (FSBO)

Since you have an emotional attachment to your house, it's often very hard to be objective about it. The professional appraisers at American Heritage Appraisals will tell you what you need to know -- not just what you want to hear. We are objective. In addition to helping you set a realistic price to sell at so your home will attract interested buyers, a professional appraisal is a very valuable negotiating tool once you have a potential buyer. It's something concrete to show the buyer. It's an independent third party's opinion of your home's value, and not just how much your house is worth. Potential buyers assume that you have an emotional attachment to your home and will be far more likely to give credibility to an expert appraiser's value report than yours.

Challenging property tax assessments

If you live in a region that is going down or not appreciating as much as other properties nearby, your local tax assessor may have your home overvalued. That only means you are most likely paying more taxes than you should. Since your property assessment may likely go up again in the next period, the quicker you take care of things like this, the better off you'll be. When contesting your property tax assessment, getting an appraisal from American Heritage Appraisals is your chief weapon.

Need to cancel PMI?

Getting the PMI (Private Mortgage Insurance) eliminated from your mortgage loan is a preferred money saver for homeowners. Once your mortgage loan amount is down 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, which will make your monthly payments go down. We are experts in helping consumers just like you do away with unnecessary PMI insurance.

Recently got a freeze to your HELOC?

If your home is close to a declining area, your lender might make the decision to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can be annoying from a cash flow angle, and harmful to your credit score since it may appear as though that credit line is maxed out. American Heritage Appraisals can provide you with a professional appraisal to help you reinstate your HELOC.

Field and Desktop Appraisal Review Services

Would you wish a second opinion without the cost and delay of waiting for a whole new appraisal? Or do you need a professional to double-check your appraisal for precision? American Heritage Appraisals offers field reviews where we go out and check the subject and comps. If you're in a hurry, 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? We can help with that too. While usually requested by banks, you may wish to make use of this service if you suspect mortgage fraud related to your property.