A.P.E.R. Appraisals is the company you should trust when it comes to bank owned properties in Staunton City County

When dealing with a house in foreclosure, you should understand market value versus a "quick disposition" value to evaluate your potential charge-off liability. A.P.E.R. Appraisals has the knowledge in both providing snapshots of market value for our mortgage originating clients, in addition to "quick sale" forecasts that respect your pressing needs.

	You need a company who has the qualifications to handle the unique dynamics of a foreclosure appraisal. For a company you can count on, contact A.P.E.R. Appraisals.

Owners of houses in foreclosure, naturally, can present specific challenges. For example, they might be opposed to allowing us access to the home. They could have left the home already and/or ignored the care of the house for some time - or unfortunately, caused damage to the property.

For real estate that has already gone back to Real Estate Owned, you probably will be going for a speedy resolution. In any case, you'll still want to consider three angles for determining the value of the asset:

• As Repaired. Possible market value with the repairs required to make the property marketable at full market value - comparable with competing properties in the neighborhood
• As-is. The value of the property without any repairs performed
• Quick sale. Somewhere in between, with minor investment in repairs - to get rid of the property quickly, possibly to someone inclined to finish the job themselves