Attention homeowners in Charlottesville and Albemarle County: Get an Appraisal today!

Check out the top reasons VA homeowners use Kristopher Galione:

  1. Get a pre-listing appraisal (whether you're using a real estate agent or selling the home on your own)
  2. Challenge a property tax assessment
  3. To reduce their monthly mortgage payment by removing PMI
  4. To reinstate their Home Equity Line of Credit (or HELOC)
  5. To review another appraiser's report for verification
  6. In the case of a VA divorce, where property needs to be divided
  7. Settle an estate in VA by determining the true market value of property in question

Do you own a home in or near Charlottesville? Do you need help determining the price of your real estate?
Contact Kristopher Galione.

We at Kristopher Galione understand the individual needs of a customer looking for appraisal services. Our customary business clients understand the appraisal process and the standard documents we provide. But as a consumer,you'll receive extra guidance and explanations through the appraisal process to understand what we do and how we document the results of our analysis.

For Sale By Owner (FSBO)/Pre-Listing Services

Since you have an emotional attachment to your own house, it's often very hard to be objective about it. Our professional appraisers at Kristopher Galione are objective. We won't just tell you what you want to hear, we'll tell you what you need to know. In addition to helping you set a realistic selling price so your home will attract many interested buyers, a professional appraisal is a very important negotiating tool once you have a potential buyer. It's something tangible to show the buyer. It's an independent third party's opinion of your home's value, and not just how much you think your house is worth. Potential buyers assume that you have an emotional attachment to your home and will be more likely to give credibility to a professional appraiser's value opinion than yours.

Need to cancel PMI?

PMI stands for Private Mortgage Insurance. A fashionable money saver for homeowners is to get the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. Your monthly payments will go down once your mortgage loan is less than 80% of the value of your home. In most cases you can apply to a lender to have the PMI removed from your loan. We are qualified in helping folks just like you get rid of unneeded PMI insurance.

Challenge property tax assessments

Lets say you live in a local area that's declining -- your local tax assessor may have your home overvalued. That means you're going to pay 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 Kristopher Galione is your strongest weapon when challenging your property tax assessment.

Recently got a freeze your HELOC?

Your lender just may make the decision to automatically freeze your home equity line of credit (HELOC) if your property is near a declining area -- even if your specific property has not declined in value. This can this be difficult and inconvenient from a cash flow standpoint, and damaging to your credit score since it may appear as though that credit line is maxed out. Kristopher Galione can help you reinstate your HELOC.

Field and Desktop Appraisal Review Services

Have you just been handed a copy of your appraisal and you'd prefer to have a veteran appraiser double-check it for efficiency or do you want a second opinion without the cost and delay of waiting for a whole new appraisal? In a field review we will go out and check the subject and comparables in question. If you need it immediately, 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 you with a a retrospective review of any appraisal report you may have in your possession. Even though this is typically requested by banks, you may want to employ this service if you suspect mortgage fraud related to your house.