Attention homeowners in Pittsboro and Chatham County: Need an appraisal?
The top reasons North Carolina homeowners call on Chatham Appraisals:
At Chatham Appraisals, we understand the individual needs of a customer seeking appraisal services. Our typical business clients understand the appraisal process and the standard "products" we deliver to them. As our non-traditional client, we'll be sure you get extra guidance and explanations through the appraisal process to more clearly understand what we do and how we document our findings.
Pre-listing Services/For Sale by OwnerSince you have an emotional attachment to your own home, it's often very hard to be objective about it. Our professional appraisers at Chatham Appraisals are objective. We won't just tell you what you want to hear, we'll tell you what you need to know. In addition to helping you set a realistic price to sell at so your house will attract buyers, a professional appraisal is very crucial as a negotiating tool once you have an interested buyer. The appraisal is something tangible to show your buyer. It's an independent third party's opinion of your home's value, and not just you saying how much your home is worth. Interested buyers know that you have an emotional attachment to your house and will be much more likely to give credibility to a seasoned appraiser's value conclusion than yours.
Challenging property tax assessmentsIf you live in a local area that is going down or is not appreciating as much as other houses nearby, your local tax assessor may have your home overvalued. That only means you are paying more taxes than you should. Since your property assessment may likely go up again in the next period, the quicker you take care of a matter like this, the better. When contesting your property tax assessment, getting a professional appraisal from Chatham Appraisals is your perfect weapon.
Need to cancel PMI?Getting the PMI (Private Mortgage Insurance) eliminated from your mortgage loan is a preferred money saver for homeowners. Your monthly payments will go down once your mortgage loan amount is below 80% of the value of your home. In most cases you can apply to a lender to have the PMI eliminated from your loan. Chatham Appraisals is seasoned in helping people just like you get rid of unwanted PMI insurance.
Recently got a freeze to your HELOC?Even if your specific property has not declined in value, your lender may just make the decision to automatically freeze your home equity line of credit (HELOC) if your home is in or near a declining area. This can be annoying from a cash flow point of view, and harmful to your credit score since it may appear as though that credit line is maxed out. Chatham Appraisals can help you reinstate your HELOC.
We Offer Field and Desktop Appraisal Review ServicesHave you just been given a copy of your appraisal and you'd like to have a seasoned appraiser double-check it for efficiency or do you want a second opinion without the added cost and delay of waiting for a whole new appraisal? We can go out and check the subject and comparables in a field review. If you're in a hurry, we'll provide 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 report? Chatham Appraisals can help you with that. While typically requested by banks, you may desire to take advantage of this service if you suspect mortgage fraud related to your house.