Attention homeowners in West Columbia and Lexington County: Need an appraisal?
The top 7 reasons why SC homeowners call on A. M. Appraisals:
Own a home in or near West Columbia, SC and need help deciding the price of it?
We at A. M. Appraisals understand the unique needs of a homeowner after appraisal services. The appraisal process and reporting formats are relatively routine to our business clients like lenders, lawyers, and CPAs. As our valued client, we will provide you with extra guidance and explanations through the appraisal process to more fully understand what we do and how we document the results of our analysis.
For-Sale-By-Owner (FSBO) / Pre-Listing Services
Since you have an emotional attachment to your home, it's often very hard to be objective about it. The professional appraisers at A. M. Appraisals will tell you what you need to know -- not just what you want to hear. We are objective. A professional appraisal is very important as a negotiating tool once you have a likely buyer, in addition to helping you set a realistic selling price so your home will attract many interested buyers. The appraisal is something tangible to show your buyer. The appraisal is an independent third party's opinion of your house's value, not just how much your home is worth. Interested buyers know that you have an emotional attachment to your home and will be much more likely to give credibility to a professional appraiser's value judgement than yours.
Appraisals to cancel PMI
Getting the PMI (Private Mortgage Insurance) removed from your mortgage loan is a preferred way to cut costs for homeowners. Once your mortgage loan amount is down below 80% of the value of your home, in most cases you can apply to your lender to have the PMI eliminated from your loan, which will make your monthly payments go down. We're qualified in helping folks just like you do away with unwanted PMI insurance.
Challenging property tax assessments
Your local tax assessor may have your home overvalued if you live in a region that's going down or not appreciating as much as other homes nearby. That means you are most likely paying more taxes than you should. The earlier you take care of a matter like this, the better, since your property assessment may likely go up again in the next period. Getting a professional appraisal from A. M. Appraisals is your chief weapon when contesting your property tax assessment.
Recently got a freeze your HELOC?
If your property is near a declining area, your lender may just 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 harmful to your credit score since it may appear as though that credit line is maxed out, and also difficult and inconvenient from a cash flow standpoint. A. M. Appraisals can provide you with an expert appraisal to help you reinstate your HELOC.
Need Field and Desktop Appraisal Review Services?
Would you like a second opinion without the cost and delay of waiting for a whole new appraisal? Or do you desire a veteran appraiser to double-check your appraisal for accuracy? We can go out and check the subject and comps in a field review. Or, if you need it immediately, 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 you may have in your possession. While typically requested by banks, you may need to make use of this service if you suspect mortgage fraud related to your property.
Got a Question?
Do you have a question? We can help. Simply fill out the form below and we'll contact you with the answer, with no obligation to you. We guarantee your privacy.