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Attention homeowners: Real estate appraisal services for in Andrews and Cherokee County

The top 7 reasons North Carolina homeowners hire PLF Appraisals Inc.:

  1. To get a pre-listing appraisal (whether they're selling the home themselves or using a real estate agent)
  2. Challenge Cherokee County's assessment of your property value
  3. Remove PMI to lower their mortgage payment
  4. Reinstate their Home Equity Line of Credit (HELOC)
  5. Verify a different appraiser's report
  6. In the case of a divorce in the state of North Carolina, where property needs to be divided
  7. Settle an estate in North Carolina by determining the true market value of a property
Own a home in or near Andrews, North Carolina and need help deciding the value of it? Contact PLF Appraisals Inc..

At PLF Appraisals Inc., we understand the special needs of a homeowner after appraisal services. While our typical business clients understand the appraisal process and standard reporting formats, you as a consumer will get extra customer service in the form of an explanation of the process and even special consumer-friendly reporting forms if the assignment allows for them.

For Sale by Owner/Pre-Listing Services

Since you have an emotional attachment to your home, it's often very hard to be objective about it. Our professional appraisers at PLF Appraisals Inc. are objective. We won't just tell you what you want to hear, we'll tell you what you need to know. 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 property will attract buyers. It gives you something tangible to show your buyer. The appraisal is an independent third party's opinion of your property's market value, not just you saying how much your home is worth. Potential buyers assume that you have an emotional attachment to your home and will be much more likely to give credibility to an experienced appraiser's value estimation than yours.

Challenge property tax assessments

Let's say your home is not appreciating as much as other homes close by -- your local tax assessor may have your house overvalued. This means you are most likely paying higher taxes than you should be paying. The earlier you take care of things like this, the better off you'll be, since your property assessment may likely go up again in the next period. When contesting your property tax assessment, getting an expert appraisal from PLF Appraisals Inc. is your strongest weapon.

Appraisals to cancel PMI

PMI stands for Private Mortgage Insurance. A fashionable way to save money for homeowners is to get the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan is less than 80% of the value of your house, in most cases you can apply to your lender to have the PMI removed from your loan, which will make your monthly payments go down. We're veterans in helping clients just like you abolish unwanted and unneeded PMI insurance.

Was your HELOC recently frozen?

Even if your specific property has not declined in value, your lender just might choose to automatically freeze your home equity line of credit (HELOC) if your property is near a declining area. Not only can this be unsuitable from a cash flow angle, but it can be damaging to your credit score since it may appear as though that credit line is maxed out. An efficient appraisal from PLF Appraisals Inc. can help you reinstate your HELOC.

Field and Desktop Appraisal Review Services

Would you like a second opinion without the charge and delay of waiting for a whole new appraisal? Or do you want a veteran appraiser to double-check your appraisal for efficiency? PLF Appraisals Inc. offers field reviews where we go out and check the subject and comparables. Or, if you need it 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.

We can also provide you with a retrospective review of any appraisal report you may have in your possession. Although most appraisal reviews are requested by lenders, homeowners suspecting they've been the victim of mortgage fraud are prudent to get a second opinion.