Real estate appraisal services for homeowners
The top 7 reasons NC homeowners call on Catawba Valley Appraisal:
Do you own a house in the Unifour Area?
At Catawba Valley Appraisal, we understand the particular needs of a consumer seeking appraisal services. Our typical business clients get the appraisal process and the customary "products" we deliver to them. As our client, you will receive extra guidance and explanations through the appraisal process to more clearly understand what we do and how we document our findings.
Pre-listing Services/For Sale By Owner (FSBO)
Since you have an emotional attachment to your own home, it's often very hard to be objective about 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 a potential buyer, in addition to helping you set a realistic selling price so your property will attract interested buyers. The appraisal is something tangible to show the buyer. The appraisal is an independent third party's opinion of your home's price, not just you saying how much your house is worth. Potential buyers know that you have an emotional attachment to your home and will be much more likely to give credibility to an accomplished appraiser's value conclusion than yours.
Appraisals to remove PMI
A preferred way to save money for homeowners is to get the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Once your mortgage loan is down below 80% of the value of your property, in most cases you can apply to the lender to have the PMI eliminated from your loan, which will make your monthly payments go down. Catawba Valley Appraisal is seasoned in helping consumers just like you rid yourselves of unneeded PMI insurance.
Challenging your county's assessment of your property
Your local tax assessor may have your house overvalued if your house not appreciating as much as other houses close to yours. That means you are probably paying more taxes than you should. Since your property assessment may likely go up again in the next period, the quicker you take care of things like this, the better. An appraisal report from Catawba Valley Appraisal is your best weapon when challenging your property tax assessment.
Recently got a freeze your HELOC?
If your property is near a declining area, your lender may choose 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 disadvantageous from a cash flow viewpoint, but it can be harmful to your credit score since it may appear as though that credit line is maxed out. Catawba Valley Appraisal can provide you with efficient appraisal to help you reinstate your HELOC.
We Also Offer Field and Desktop Appraisal Review Services
Do you need a seasoned appraiser to double-check your appraisal for verity, or do you want a second opinion without the added expense and delay of waiting for a whole new appraisal? Catawba Valley Appraisal offers field reviews where we go out and check the subject and comps 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.
Do you need a retrospective review of an appraisal report? Catawba Valley Appraisal can We can assist you. Even though this is typically requested by banks, you may want to employ this service if you suspect mortgage fraud related to your house.