Need an appraisal in Murphy or Cherokee County?
The top 7 reasons why North Carolina homeowners call on Edward Hogsed:
At Edward Hogsed, we understand the particular needs of a customer after appraisal services. The appraisal process and reporting formats are familiar to our business clients like banks, lawyers, and CPAs. But as a general consumer, we'll be sure you get extra guidance and explanations through the appraisal process to more fully understand what we do and how we report the results of our analysis.
Pre-listing Services/For Sale by OwnerIt's very hard to be objective about your home because of your emotional attachment to it. The professional appraisers at Edward Hogsed will tell you what you need to know -- not just what you want to hear. We are objective. A professional appraisal is a crucial negotiating tool once you have a likely buyer, in addition to helping you set a realistic selling price so your home will attract buyers. It's something concrete to show your buyer. An appraisal is an independent third party's opinion of your property's value -- not just how much your house is worth. Interested buyers know you have an emotional attachment to your house and will be much more likely to give credibility to a seasoned appraiser's value opinion than yours.
Challenge Tax AssessmentYour local tax assessor may have your house overvalued if you live in a local area that's declining. This only means you're probably 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. An expert appraisal from Edward Hogsed is your chief weapon when challenging your property tax assessment.
PMI Removal AppraisalsAn attractive money saver for homeowners is getting the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Once your mortgage loan is less than 80% of the value of your house, in most cases you can apply to a lender to have the PMI removed from your loan, which will make your monthly payments go down. Edward Hogsed is experienced in helping people just like you dismiss unwanted PMI insurance.
Was your HELOC recently frozen?Even if your specific property has not declined in value, your lender just may decide to automatically freeze your home equity line of credit (HELOC) if your home is close to a declining area. Not only can this be difficult and inconvenient 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. Edward Hogsed can provide you with an expert appraisal to help you reinstate your home equity line of credit.
We Also Offer Field and Desktop Appraisal Review ServicesHave you just been handed a copy of your appraisal and you would like to have a seasoned appraiser double-check it for accuracy or do you want a second opinion without the charge and delay of waiting for a whole new appraisal? An appraiser from Edward Hogsed can go out and check the subject and comparables in a field review. 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.
Do you need a retrospective review of an appraisal? Edward Hogsed can help you with that. Even though most appraisal reviews are requested by lenders for quality control, homeowners suspecting a prior appraisal wasn't above board are prudent to invest in a second opinion.