Attention homeowners: Real estate appraisal services for in Hartsville and Darlington County
The top 7 reasons why SC homeowners call on Lavender/McElveen Appraisals:
Do you own a house in or near Hartsville? Do you need help determining the price of your real estate?
At Lavender/McElveen Appraisals, we understand the individual 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. Being a regular homeowner that most likely doesn't see an appraisal on a regular basis,we will provide you with extra guidance and explanations through the appraisal process to more fully understand what we do and how we document our findings.
For Sale By Owner/Pre-Listing Services
It's very hard to be objective about your house because of your emotional attachment to it. Our professional appraisers at Lavender/McElveen Appraisals are objective. We won't just tell you what you want to hear, we'll tell you what you need to know. 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. It gives you something concrete to show the buyer. It's an independent third party's opinion of your house's value, and not just you saying how much you think your home is worth. Interested buyers assume that you have an emotional attachment to your house and will be far more likely to give credibility to an accomplished appraiser's value estimation than yours.
PMI Removal Appraisals
A popular way to cut expenses 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 amount is less than 80% of the value of your house, in most cases you can apply to a lender to have the PMI canceled from your loan, which will make your monthly payments go down. We are experienced in helping consumers just like you abolish unwanted PMI insurance.
Challenge a property tax assessment
Your local tax assessor may have your house overvalued if you live in a region that is declining. This means you are 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 things like this, the better off you'll be. When challenging your property tax assessment, getting an appraisal report from Lavender/McElveen Appraisals is your number one weapon.
HELOC recently frozen?
Your lender just might choose to automatically freeze your home equity line of credit (HELOC) if your home is in or near a declining area -- even if your specific property has not declined in value. Not only can this be difficult from a cash flow standpoint, but it can be harmful to your credit score since it may appear as though that credit line is maxed out. An appraisal from Lavender/McElveen Appraisals can help you reinstate your HELOC.
We Provide Field and Desktop Appraisal Review Services
Do you need a seasoned expert to double-check your appraisal for efficiency, or do you need a second opinion without the added cost and delay of waiting for a whole new appraisal? An appraiser from Lavender/McElveen Appraisals can go out and check the subject and comps in question in a field review. If you need it immediately, we'll provide you with a 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 had done before. While typically requested by banks, you may want to exercise this service if you suspect mortgage fraud related to your home.