Attention homeowners in Raleigh and Wake County: Need an appraisal?
The top reasons NC homeowners need Garrison Appraisal:
Do you own a house in or near Raleigh? Do you need help deciding the value of your real estate?
We at Garrison Appraisal understand the unique needs of a consumer looking for appraisal services. Our typical business clients understand the appraisal process and the standard documents we provide. Being a person not in the real estate field that most likely doesn't look at appraisals every day,we will provide you with extra guidance and explanations through the appraisal process to understand what we do and how we present our findings.
For Sale By Owner/Pre-Listing Services
It's very hard to be objective about your own home because you most likely have an emotional attachment to it. Our professional appraisers at Garrison Appraisal are objective. We won't just tell you what you want to hear, we will tell you what you need to know. In addition to helping you set a realistic selling price so your house will attract buyers, a professional appraisal is very valuable as a negotiating tool once you have an interested buyer. The appraisal is something tangible to show the buyer. The appraisal is an independent third party's opinion of your home's value, not just how much your home is worth. Interested buyers assume that you have an emotional attachment to your home and will be far more likely to give credibility to a qualified appraiser's value report than yours.
Need to cancel PMI?
A popular money saver 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". Your monthly payments will go down once your mortgage loan amount is less than 80% of the value of your property. In most cases you can apply to a lender to have the PMI canceled from your loan. We are qualified in helping people just like you get rid of unneeded and unwanted PMI insurance.
Challenging a property tax assessment
Your local tax assessor may have your house overvalued if your house is not appreciating as much as other homes close to yours. This only means you're probably paying higher taxes than you should be paying. The quicker you take care of a matter like this, the better, since your property assessment may likely go up again in the next period. When contesting your property tax assessment, getting a professional appraisal from Garrison Appraisal is your strongest weapon.
Recently got a freeze your HELOC?
If your house is in or near a declining area, your lender just 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 be unfavorable to your credit score since it may appear as though that credit line is maxed out, and also inopportune from a cash flow standpoint. An efficient appraisal from Garrison Appraisal can help you reinstate your HELOC.
We Also Offer Field and Desktop Appraisal Review Services
Do you need a seasoned appraiser to double-check your appraisal for efficiency, or do you need 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 comps 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.
Need a retrospective review of an appraisal? We can help with that too. While usually requested by banks, you may wish to exercise this service if you suspect mortgage fraud related to your home.