Real estate appraisal services for homeowners in the city of Portland and Cumberland County

Here are the top seven reasons why ME homeowners order from Dirigo Valuation:

  1. Find the right listing price (whether they're selling the home on their own or using a real estate agent)
  2. Challenge property tax assessments
  3. To reduce a monthly mortgage payment by removing PMI
  4. Reinstate your Home Equity Line of Credit (HELOC)
  5. To review another appraiser's report for verification
  6. If property needs to be divided because of a divorce
  7. To settle an estate in ME by determining the true market value of property in question

Own a house in or near Portland, ME and need help deciding the value of it?
Contact Dirigo Valuation.

At Dirigo Valuation, we understand the particular needs of a customer looking for appraisal services. Our business practices and reporting formats are relatively routine to our business clients like banks, attorneys, and accountants. But as a consumer,we'll be sure you get extra guidance and explanations through the appraisal process to more clearly understand what we do and how we report our findings.

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

It's very hard to be objective about your own house because of your emotional attachment to it. Our professional appraisers at Dirigo Valuation are objective. We won't just tell you what you want to hear, we will tell you what you need to know. A professional appraisal is very valuable 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 many interested buyers. It gives you something tangible to show the buyer. It's an independent third party's opinion of your house's price, and not just how much your house is worth. Interested buyers assume you have an emotional attachment to your home and will be more likely to give credibility to a seasoned appraiser's value estimation than yours.

Appraisals to remove PMI

Getting the PMI (Private Mortgage Insurance) eliminated from your mortgage loan is a fashionable way to cut costs 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're experienced in helping people just like you rid yourselves of undesirable PMI insurance.

Challenge a property tax assessment

Your local tax assessor may have your house overvalued if you live in a local area that is declining. This only means you're going to pay higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the earlier you take care of things like this, the better off you'll be. Getting an appraisal from Dirigo Valuation is your #1 weapon when challenging your property tax assessment.

HELOC recently frozen?

If your house is close to a declining area, your lender might just decide to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. Not only can this be inopportune from a cash flow angle, but it can be unfavorable to your credit score since it may appear as though that credit line is maxed out. Dirigo Valuation can provide you with efficient appraisal to help you reinstate your HELOC.

We Offer Field and Desktop Appraisal Review Services

Have you just gotten a copy of your appraisal and you'd like to have a seasoned expert double-check it for accuracy or do you desire a second opinion without the expense and delay of waiting for a whole new appraisal? Dirigo Valuation offers field reviews where we go out and check the subject and comps in question. Or, if you need it immediately, we can 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 had in the past. Even though this is typically requested by banks, you may want to use this service if you suspect mortgage fraud related to your home.