Attention homeowners in Richlands and Onslow County: Need an appraisal?

The top reasons NC homeowners hire People's Choice Appraisals:

  1. To get a pre-listing appraisal (whether you're using a real estate agent or selling the home on your own)
  2. Challenge a property tax assessment
  3. Remove PMI to lower their monthly mortgage payment
  4. To reinstate their Home Equity Line of Credit (HELOC)
  5. To review a different appraiser's report for verification
  6. If property needs to be divided because of a divorce
  7. To settle an estate in NC by determining the true market value of real estate in question

Do you own a house in or near Richlands? Do you need help deciding the price of your real estate?
Contact People's Choice Appraisals.

At People's Choice Appraisals, we understand the special needs of a consumer looking for appraisal services. While our typical clients understand the appraisal process and standard reporting formats, you as a consumer will get extra service in the form of an explanation of the process and even special consumer-friendly reporting forms if the assignment allows for them.

Pre-listing Services/For Sale By Owner (FSBO)

It's very hard to be objective about your house because you probably have an emotional attachment to it. Professional appraisers, like the ones at People's Choice Appraisals, are objective. We'll tell you what you need to know, not just what you want to hear. A professional appraisal is very important as a negotiating tool once you have an interested buyer, in addition to helping you set a realistic price to sell at so your house will attract buyers. The appraisal is something tangible to show the buyer. The appraisal is an independent third party's opinion of your house's value, not just you saying how much your home is worth. Potential buyers know you have an emotional attachment to your home and will be more likely to give credibility to a qualified appraiser's value opinion than yours.

Need to remove PMI?

Getting the PMI (Private Mortgage Insurance) eliminated from your mortgage loan is a fashionable way to cut costs for homeowners. Once your mortgage loan is below 80% of the value of your property, in most cases you can apply to the lender to have the PMI canceled from your loan, which will make your monthly payments go down. At People's Choice Appraisals, we're experienced in helping consumers just like you rid themselves of unwanted and unneeded PMI insurance.

Challenge a property tax assessment

Your local tax assessor may have your home overvalued if you live in a region that is declining. This means you are probably 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. Getting a professional appraisal from People's Choice Appraisals is your number one weapon when contesting your property tax assessment.

HELOC recently frozen?

Even if your specific property has not declined in value, your lender might make the decision to automatically freeze your home equity line of credit (HELOC) if your home is in a declining area. This can this be troublesome from a cash flow point of view, and negative on your credit score since it may appear as though that credit line is maxed out. People's Choice Appraisals can help you reinstate your HELOC.

Field and Desktop Appraisal Review Services

Would you wish a second opinion without the cost and delay of waiting for a whole new appraisal? Or do you want a professional to double-check your appraisal for accuracy? We can go out and check the subject and comps in question in a field review. If you need it immediately, 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? People's Choice Appraisals can help you with that. Even though this is typically requested by banks, you may wish to use this service if you suspect mortgage fraud related to your house.