Attention homeowners in Mooresville and Iredell County: Get an Appraisal today!
The top seven reasons North Carolina homeowners hire John Howard Appraisal Service:
At John Howard Appraisal Service, we understand the individual needs of a consumer in need of appraisal services. Our regular business clients understand the appraisal process and the standard reporting formats. Being a regular homeowner that probably doesn't see an appraisal every day, we will provide you with extra guidance and explanations through the appraisal process to better understand what we do and how we document our conclusions.
Pre-listing Services/For Sale by Owner (FSBO)It's very hard to be objective about your own house because you most likely have an emotional attachment to it. Professional appraisers, like the ones at John Howard Appraisal Service, will be objective. We will tell you what you need to know, not just what you want to hear. A professional appraisal is a crucial negotiating tool once you have an attainable buyer, in addition to helping you set a realistic selling price so your home will attract many interested buyers. It gives you something concrete to show your buyer. The appraisal is an independent third party's opinion of your home's market value, not just you saying how much you think your house is worth. Interested buyers know that you have an emotional attachment to your house and will be much more likely to give credibility to an accomplished appraiser's value opinion than yours.
Challenge Iredell County's assessment of your propertyYour local tax assessor may have your home overvalued if you live in an area that is going down or not appreciating as much as other properties close by. This only means you're going to pay higher taxes than you should be paying. The quicker you take care of a matter like this, the better off you'll be, since your property assessment may likely go up again in the next period. A professional appraisal from John Howard Appraisal Service is your number one weapon when contesting your property tax assessment.
Appraisals to remove PMIGetting the PMI (Private Mortgage Insurance) eliminated from your mortgage loan is a fashionable way to cut expenses for homeowners. Once your mortgage loan amount is below 80% of the value of your home, in most cases you can apply to the lender to have the PMI canceled from your loan, which will make your monthly payments go down. At John Howard Appraisal Service, we're veterans in helping folks just like you remove undesirable PMI insurance.
Was your HELOC recently frozen?Even if your specific property has not declined in value, your lender may make the decision to automatically freeze your home equity line of credit (HELOC) if your home is in or near a declining area. This can be difficult from a cash flow viewpoint, and negative on your credit score since it may appear as though that credit line is maxed out. A professional appraisal from John Howard Appraisal Service can help you reinstate your HELOC.
Do You Need Field and Desktop Appraisal Review Services?Do you need a seasoned appraiser to double-check your appraisal for verity, or do you desire a second opinion without the added expense and delay of waiting for a whole new appraisal? In a field review we will go out and check the subject and comparables. 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.
Do you need a retrospective review of an appraisal report? John Howard Appraisal Service can help you with that. While typically requested by banks, you may wish to exercise this service if you suspect mortgage fraud related to your house.