Appraisal services for Richlands and Onslow County homeowners

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

To get a pre-listing appraisal (whether you're using a real estate agent or selling the home on your own)
Challenge a property tax assessment
Remove PMI to cut a mortgage payment
To reinstate your Home Equity Line of Credit (or HELOC)
To review a different appraiser's report for verification
If property needs to be divided because of a divorce
Determine the true market value of real estate in question to settle an estate

Need help deciding the value of your house in or near Richlands, NC?
Contact People's Choice Appraisals.

At People's Choice Appraisals, we understand the individual needs of a customer after appraisal services. Our typical business clients get the appraisal process and the usual "products" we deliver to them. As our valued client, we will provide you with extra guidance and explanations through the appraisal process to understand what we do and how we report our conclusions.

For Sale By Owner/Pre-Listing Services

Since you have an emotional attachment to your 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. In addition to helping you set a realistic price to sell at so your house will attract buyers, a professional appraisal is a very valuable negotiating tool once you have an attainable buyer. The appraisal is something concrete to show your buyer. An appraisal is an independent third party's opinion of your house's value -- not just you saying how much you think your house is worth. Potential buyers know that you have an emotional attachment to your house and will be far more likely to give credibility to an accomplished appraiser's value judgement 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 is less than 80% of the value of your property. In most cases you can apply to a lender to have the PMI removed from your loan. At People's Choice Appraisals, we're seasoned in helping folks just like you remove unneeded and unwanted PMI insurance.

Challenging property tax assessments

Lets say your home is not appreciating as much as other houses close by -- your local tax assessor may have your home overvalued. That means you're going to pay more taxes than you should. The earlier you take care of things like this, the better, since your property assessment may likely go up again in the next period. When challenging your property tax assessment, getting an expert appraisal from People's Choice Appraisals is your chief weapon.

HELOC recently frozen?

Even if your specific property has not declined in value, your lender just may make the decision to automatically freeze your home equity line of credit (HELOC) if your property is in a declining area. This can be be unfavorable to your credit score since it may appear as though that credit line is maxed out, and also inconvenient from a cash flow standpoint. People's Choice Appraisals can help you reinstate your home equity line of credit with an expert appraisal.

Do You Need Field and Desktop Appraisal Review Services?

Have you just been handed a copy of your appraisal and you would prefer to have a seasoned appraiser double-check it for efficiency or do you desire a second opinion without the added cost and delay of waiting for a whole new appraisal? In a field review we will go out and check the subject and comparables. Or, if you need it immediately, we can 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? People's Choice Appraisals can help you with that. While usually requested by banks, you may desire to make use of this service if you suspect mortgage fraud related to your home.