Need an appraisal in West Pittston or Luzerne County?

Here are the top reasons PA homeowners order from Ruggles Appraisal Services, Inc.:

  1. Pre-listing appraisals (whether you're using a real estate agent or selling the home on your own)
  2. To challenge a PA property tax assessment
  3. Remove PMI to lower their monthly mortgage payment
  4. To reinstate their Home Equity Line of Credit (or HELOC)
  5. Verify a different appraiser's report
  6. In the case of a PA divorce, when real estate property needs to be divided
  7. To settle an estate in Luzerne county or PA by determining the true market value of real estate in question

Own a home in or near West Pittston, PA and need help determining the value of it?
Contact Ruggles Appraisal Services, Inc..

At Ruggles Appraisal Services, Inc., we understand the individual needs of a customer after appraisal services. Our typical business clients are used to the appraisal process and the standard documents we provide. As our client, you will receive extra guidance and explanations through the appraisal process to more fully understand what we do and how we present our findings.

Pre-listing Services/For Sale By Owner

It's very hard to be objective about your own home because you most likely have an emotional attachment to 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 a very valuable negotiating tool once you have an attainable buyer, in addition to helping you set a realistic selling price so your property will attract buyers. The appraisal is something tangible to show the buyer. An appraisal is an independent third party's opinion of your house's price -- not just how much you think your home is worth. Potential buyers assume that you have an emotional attachment to your home and will be more likely to give credibility to an accomplished appraiser's value conclusion than yours.

Need to cancel PMI?

A fashionable money saver for homeowners is to get the PMI eliminated 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 is below 80% of the value of your property. In most cases you can apply to your lender to have the PMI canceled from your loan. We are veterans in helping clients just like you rid themselves of unneeded PMI insurance.

Challenge Luzerne county's assessment of your property

Your local tax assessor may have your home overvalued if you live in a local area that is declining. That means you are probably paying more taxes than you should. The faster 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. Getting a professional appraisal from Ruggles Appraisal Services, Inc. is your perfect weapon when contesting your property tax assessment.

Recently got a freeze your HELOC?

If your home is near a declining area, your lender might just choose to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can be be harmful to your credit score since it may appear as though that credit line is maxed out, and also unsuitable from a cash flow standpoint. Ruggles Appraisal Services, Inc. can provide you with efficient appraisal to help you reinstate your home equity line of credit.

Need Field and Desktop Appraisal Review Services?

Have you just gotten a copy of your appraisal and you would prefer to have a seasoned appraiser double-check it for preciseness or do you want a second opinion without the expense and delay of waiting for a whole new appraisal? We can go out and check the subject and comparables in a field review. If you need it in a rush, we'll provide desk review and verify as many facts as we can using online data sources as well as our own files.

We can also provide a retrospective review of any appraisal report you may have in your possession. Even though this is usually requested by banks, you may need to make use of this service if you suspect mortgage fraud related to your property.