Attention homeowners: Real estate appraisal services for in Murrells Inlet and Georgetown County
Here are the top reasons SC homeowners need Collins Appraisal Services:
Do you own a house in or near Murrells Inlet? Do you need help deciding the price of your real estate?
We at Collins Appraisal Services understand the unique needs of a homeowner seeking appraisal services. The appraisal process and reporting formats are relatively routine to our business clients like lenders, lawyers, and CPAs. But as a 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 present the results of our analysis.
For Sale By Owner (FSBO)/Pre-Listing Services
Since you have an emotional attachment to your own house, it's often very hard to be objective about it. A professional appraiser is objective and will tell you what you need to know, not just what you want to hear. A professional appraisal is very valuable as a 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 your buyer. It's an independent third party's opinion of your property's value, and not just how much you think your house is worth. Interested buyers know that you have an emotional attachment to your house and will be much more likely to give credibility to an experienced appraiser's value conclusion than yours.
Appraisals to cancel PMI
An attractive way to cut expenses for homeowners is getting the PMI canceled 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 your lender to have the PMI removed from your loan. We're experts in helping clients just like you get rid of unneeded and unwanted PMI insurance.
Challenging property tax assessments
If you live in a region that is going down or not appreciating as much as other homes close to yours, your local tax assessor may have your house overvalued. This means you're most likely paying higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the quicker you take care of things like this, the better. When challenging your property tax assessment, getting an appraisal from Collins Appraisal Services is your perfect weapon.
Was your HELOC recently frozen?
Even if your specific property has not declined in value, your lender just might choose to automatically freeze your home equity line of credit (HELOC) if your house is near a declining area. This can be be negative on your credit score since it may appear as though that credit line is maxed out, and also inopportune from a cash flow viewpoint. A professional appraisal from Collins Appraisal Services can help you reinstate your HELOC.
Field and Desktop Appraisal Review Services
Have you just received a copy of your appraisal and you would wish to have a veteran appraiser double-check it for accuracy or do you desire a second opinion without the expense and delay of waiting for a whole new appraisal? In a field review we'll go out and check the subject and comparables in question. If you need it ASAP, 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? Collins Appraisal Services can help with that too. While typically requested by banks, you may desire to utilize this service if you suspect mortgage fraud related to your house.