|
|
Appraisal services for Charlotte and Mecklenburg County homeowners
The top 7 reasons why North Carolina homeowners order from Walker & Associates:
- Get a pre-listing appraisal (whether they're selling the home on their own or using an agent)
- Challenge property tax assessments
-
Remove PMI to cut your mortgage payments
-
Reinstate their Home Equity Line of Credit (HELOC)
-
Review another appraiser's report for verification
-
If property needs to be divided because of a divorce
-
Determine the true market value of the real estate in question to settle an estate in Mecklenburg county or North Carolina
We at Walker & Associates understand the special needs of a homeowner after appraisal services.
Our regular business clients understand the appraisal process and the standard "products" we deliver to them. Being a regular consumer that most likely doesn't see an appraisal every day, we'll be sure you get extra guidance and explanations through the appraisal process to more clearly understand what we do and how we present our findings.
For Sale by Owner (FSBO)/Pre-Listing Services
It's very hard to be objective about your home because you probably 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 crucial as a negotiating tool once you have an interested buyer, in addition to helping you set a realistic selling price so your home will attract buyers.
It gives you something concrete to show your buyer.
The appraisal is an independent third party's opinion of your house's market value, not just you saying how much your house is worth.
Interested buyers know you have an emotional attachment to your house and will be much more likely to give credibility to a seasoned appraiser's value judgement than yours.
Challenge Mecklenburg County's assessment of your property
Let's say you live in a local area that is going down -- your local tax assessor may have your house overvalued.
That means you are going to pay 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 off you'll be.
A professional appraisal from Walker & Associates is your #1 weapon when challenging your property tax assessment.
Appraisals to remove PMI
A fashionable way to cut expenses for homeowners is to get the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance".
Once your mortgage loan is below 80% of the value of your home, 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.
At Walker & Associates, we're veterans in helping consumers just like you do away with undesirable PMI insurance.
Was your HELOC recently frozen?
Even if your specific property has not declined in value, your lender just may make the decision to automatically freeze your home equity line of credit (HELOC) if your house is close to a declining area.
This can be inopportune from a cash flow standpoint, and bad for your credit score since it may appear as though that credit line is maxed out.
Walker & Associates can help you reinstate your home equity line of credit with efficient appraisal.
We Also Provide Field and Desktop Appraisal Review Services
Have you just been given a copy of your appraisal and you would wish to have a seasoned expert double-check it for precision or do you need a second opinion without the added expense and delay of waiting for a whole new appraisal?
An appraiser from Walker & Associates can go out and check the subject and comps in a field review.
If you're in a rush, 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 a retrospective review of any appraisal report you may have had in the past.
Although most appraisal reviews are requested by lenders for quality control, homeowners suspecting a prior appraisal wasn't above board are prudent to get a second opinion.
|
|
