Appraisal services for West Columbia and Lexington County homeowners
Check out the top reasons SC homeowners call on A. M. Appraisals:
Own a house in or near West Columbia, SC and need help deciding the price of it?
At A. M. Appraisals, we understand the special needs of a customer looking for appraisal services. While our usual clients understand the appraisal process and standard reporting formats, you as a consumer will get extra 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 (FSBO) / Pre-Listing Services
Since you have an emotional attachment to your house, it's often very hard to be objective about it. Professional appraisers, like the ones at A. M. Appraisals, are objective. We will tell you what you need to know, not just what you want to hear. A professional appraisal is a very valuable negotiating tool once you have an interested buyer, in addition to helping you set a realistic selling price so your property will attract interested buyers. The appraisal is something concrete to show the buyer. An appraisal is an independent third party's opinion of your property's price -- not just you saying how much you think your house is worth. Interested buyers assume you have an emotional attachment to your home and will be more likely to give credibility to an accomplished appraiser's value opinion than yours.
PMI Removal Appraisals
PMI stands for Private Mortgage Insurance. A preferred way to cut expenses for homeowners is to get the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. Your monthly payments will go down once your mortgage loan amount is below 80% of the value of your house. In most cases you can apply to the lender to have the PMI eliminated from your loan. At A. M. Appraisals, we're qualified in helping folks just like you get rid of unnecessary PMI insurance.
Challenge Tax Assessment
Your local tax assessor may have your home overvalued if you live in an area that's going down. This only means you're probably paying higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the faster you take care of a matter like this, the better. A professional appraisal from A. M. Appraisals is your best weapon when challenging your property tax assessment.
Recently got a freeze your HELOC?
Your lender might choose to automatically freeze your home equity line of credit (HELOC) if your property is in a declining area -- even if your specific property has not declined in value. This can be be negative on your credit score since it may appear as though that credit line is maxed out, and also inconvenient from a cash flow angle. An expert appraisal from A. M. Appraisals can help you reinstate your HELOC.
We Also Offer Field and Desktop Appraisal Review Services
Have you just been handed a copy of your appraisal and you would wish to have a professional double-check it for accuracy or do you need a second opinion without the charge and delay of waiting for a whole new appraisal? A. M. Appraisals offers field reviews where we'll go out and check the subject and comps. If you need it immediately, we'll 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 in your possession. Even though this is usually requested by banks, you may desire to take advantage of this service if you suspect mortgage fraud related to your house.
Got a Question?
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