Appraisal services for Warne and Clay County homeowners
The top 7 reasons NC homeowners call on Mallamas Appraisal Service:
Do you own a home in or near Warne? Do you need help deciding the value of your real estate?
At Mallamas Appraisal Service, we understand the individual needs of a homeowner after appraisal services. Our typical business clients are used to the appraisal process and the usual documents we provide. But as a general consumer,we will give you extra guidance and explanations through the appraisal process to more fully understand what we do and how we document our conclusions. For-Sale-By-Owner (FSBO) / Pre-Listing ServicesIt's very hard to be objective about your house because of your emotional attachment to it. The professional appraisers at Mallamas Appraisal Service will tell you what you need to know -- not just what you want to hear. We are objective. A professional appraisal is a very valuable negotiating tool once you have an interested buyer, in addition to helping you set a realistic price to sell at so your property will attract many interested buyers. It's something tangible to show your buyer. An appraisal is an independent third party's opinion of your home's price -- not just how much your house is worth. Potential 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 assessment than yours. Need to cancel PMI?A popular way to cut expenses for homeowners is getting 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 amount is down below 80% of the value of your property, 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're veterans in helping homeowners just like you get rid of unwanted and unneeded PMI insurance. Challenging a property tax assessmentLets say you live in a region that's going down -- your local tax assessor may have your home overvalued. That only means you are most likely paying more taxes than you should. The quicker you take care of things like this, the better, since your property assessment may likely go up again in the next period. When contesting your property tax assessment, getting an appraisal from Mallamas Appraisal Service is your number one weapon. Was your HELOC recently frozen?If your property is in a declining area, your lender may decide to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can be be damaging to your credit score since it may appear as though that credit line is maxed out, and also troublesome from a cash flow standpoint. An expert appraisal from Mallamas Appraisal Service can help you reinstate your HELOC. We Provide Field and Desktop Appraisal Review ServicesHave you just been handed a copy of your appraisal and you would wish to have an expert double-check it for precision or do you need a second opinion without the charge 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 in a rush, we can 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. While typically requested by banks, you may want to employ this service if you suspect mortgage fraud related to your home. |