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Appraisal services for Cullowhee and Jackson County homeowners
The top 7 reasons why North Carolina homeowners order from Prestige Appraisal:
- Pre-listing appraisals (whether they're selling the home on their own or using an agent)
- Challenge property tax assessments
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Remove PMI to cut a mortgage payments
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Reinstate your Home Equity Line of Credit (HELOC)
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To review another appraiser's report for verification
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If real estate property needs to be divided because of a divorce
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Determine the true market value of the real estate in question to settle an estate
At Prestige Appraisal, we understand the unique needs of a homeowner after appraisal services.
While our usual business clients understand the appraisal process and standard reporting formats, you as a consumer will get an extra level of customer 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)
Since you have an emotional attachment to your own house, 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 important negotiating tool once you have an attainable buyer, in addition to helping you set a realistic price to sell at so your house will attract buyers.
The appraisal is something tangible to show the buyer.
It's an independent third party's opinion of your property's value, and not just how much you think your house is worth.
Interested buyers know you have an emotional attachment to your house and will be more likely to give credibility to an accomplished appraiser's value judgement than yours.
Challenging Jackson County's assessment of your property
Your local tax assessor may have your house overvalued if you live in a local area that is going down or not appreciating as much as other homes close by.
That means you're most likely paying more taxes than you should.
Since your property assessment may likely go up again in the next period, the sooner you take care of things like this, the better off you'll be.
When challenging your property tax assessment, getting an appraisal from Prestige Appraisal is your perfect weapon.
Need to cancel PMI?
Getting the PMI (Private Mortgage Insurance) eliminated from your mortgage loan is a popular way to cut expenses for homeowners.
Once your mortgage loan is down below 80% of the value of your home, in most cases you can apply to a lender to have the PMI canceled from your loan, which will make your monthly payments go down.
We are qualified in helping people just like you get rid of unwanted PMI insurance.
Recently got a freeze to your HELOC?
If your home is close to a declining area, your lender might make the decision to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value.
This can be difficult from a cash flow point of view, and destructive to your credit score since it may appear as though that credit line is maxed out.
Prestige Appraisal can help you reinstate your home equity line of credit with an expert appraisal.
Do You Need Field and Desktop Appraisal Review Services?
Would you prefer a second opinion without the cost and delay of waiting for a whole new appraisal? Or do you want an expert to double-check your appraisal for accuracy?
In a field review we will go out and check the subject and comparables in question.
Or, if you're in a rush, we can provide you with a 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? Prestige Appraisal can help you with that.
While typically requested by banks, you may wish to use this service if you suspect mortgage fraud related to your house.
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