Real estate appraisal services for homeowners in Union and surrounding Counties
The top 7 reasons why NC homeowners hire Home Value Source, Inc.:
Need help determining the value of your home in or near Indian Trail, NC?
We at Home Value Source, Inc. understand the particular needs of a homeowner in need of appraisal services. While our usual clients understand the appraisal process and standard reporting formats, you as a consumer will get extra service in the form of an explanation of the process and even special consumer-friendly reporting forms if the assignment allows for them.
Pre-listing Services/For Sale By Owner (FSBO)
It's very hard to be objective about your 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 very valuable as a negotiating tool once you have an interested buyer, in addition to helping you set a realistic price to sell at so your home will attract many interested buyers. It's something concrete to show your buyer. An appraisal is an independent third party's opinion of your house's price -- not just how much your home is worth. Interested buyers assume that you have an emotional attachment to your house and will be much more likely to give credibility to an experienced appraiser's value report than yours.
Appraisals to remove PMI
PMI stands for Private Mortgage Insurance. A popular way to cut expenses for homeowners is to get the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan is less than 80% of the value of your house, in most cases you can apply to your lender to have the PMI eliminated from your loan, which will make your monthly payments go down. We're experienced in helping homeowners just like you do away with unwanted and unneeded PMI insurance.
Challenging a property tax assessment
Lets say you live in a region that is going down -- your local tax assessor may have your home overvalued. That means you're going to pay more taxes than you should. The earlier you take care of things like this, the better, since your property assessment may likely go up again in the next period. Getting an expert appraisal from Home Value Source, Inc. is your #1 weapon when challenging your property tax assessment.
HELOC recently frozen?
Even if your specific property has not declined in value, your lender may just make the decision to automatically freeze your home equity line of credit (HELOC) if your property is in or near a declining area. This can be be negative on your credit score since it may appear as though that credit line is maxed out, and also troublesome from a cash flow point of view. Home Value Source, Inc. can help you reinstate your HELOC.
Do You Need Field and Desktop Appraisal Review Services?
Have you just been given a copy of your appraisal and you'd like to have a seasoned appraiser double-check it for accuracy or do you need a second opinion without the expense and delay of waiting for a whole new appraisal? In a field review we will go out and check the subject and comparables. 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 you may have in your possession. Even though this is typically requested by banks, you may wish to take advantage of this service if you suspect mortgage fraud related to your property.