Attention homeowners in Charlotte and Mecklenburg County: Get an Appraisal today!
The top reasons NC homeowners hire Alford & Associates:
Own a home in or near Charlotte, NC and need help determining the value of it?
At Alford & Associates, we understand the unique needs of a homeowner seeking appraisal services. While our usual clients understand the appraisal process and standard reporting formats, you as a consumer will get an extra level of customer service in the form of an explanation of the process and even special consumer-friendly reporting forms if the assignment allows for them.
For Sale By Owner/Pre-Listing Services
It's very hard to be objective about your own house because you probably have an emotional attachment to it. Professional appraisers, like the ones at Alford & Associates, will be objective. We'll tell you what you need to know, not just what you want to hear. In addition to helping you set a realistic price to sell at so your property will attract buyers, a professional appraisal is very crucial as a negotiating tool once you have a potential buyer. It gives you something tangible to show the buyer. It's an independent third party's opinion of your house's value, and not just how much your house is worth. Potential buyers know that you have an emotional attachment to your house and will be much more likely to give credibility to an accomplished appraiser's value conclusion than yours.
Need to cancel PMI?
Getting the PMI (Private Mortgage Insurance) canceled from your mortgage loan is a fashionable way to save money for homeowners. Your monthly payments will go down 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 removed from your loan. We're experienced in helping folks just like you do away with unwanted PMI insurance.
Challenge Mecklenburg county's assessment of your property
Your local tax assessor may have your home overvalued if you live in a local area that is going down. This means you are most likely paying higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the sooner you take care of things like this, the better. An appraisal report from Alford & Associates is your #1 weapon when contesting your property tax assessment.
Recently got a freeze your HELOC?
Your lender may just choose to automatically freeze your home equity line of credit (HELOC) if your house is in or near a declining area -- even if your specific property has not declined in value. This can this be unsuitable from a cash flow angle, and harmful to your credit score since it may appear as though that credit line is maxed out. Alford & Associates can provide you with a professional appraisal to help you reinstate your home equity line of credit.
Need Field and Desktop Appraisal Review Services?
Have you just been given a copy of your appraisal and you'd wish to have an expert double-check it for accuracy or do you desire 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. 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.
Need a retrospective review of an appraisal report? We can We can assist you Even though this is typically requested by banks, you may desire to utilize this service if you suspect mortgage fraud related to your property.