Real estate appraisal services for homeowners in the city of Richlands and Onslow County

Here are the top seven reasons NC homeowners use People's Choice Appraisals:

To get a pre-listing appraisal (whether they're selling the home themselves or using an agent)
Challenge Onslow county's assessment of your property
To reduce their monthly mortgage payment by removing PMI
Reinstate your Home Equity Line of Credit (HELOC)
Review a different appraiser's report for verification
If real estate needs to be divided because of a divorce
Settle an estate in NC by determining the true market value of property in question

Own a home in or near Richlands, NC and need help deciding the value of it?
Contact People's Choice Appraisals.

At People's Choice Appraisals, we understand the special needs of a customer seeking appraisal services. While our usual clients understand the appraisal process and standard reporting formats, you as a consumer will get extra customer 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

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. In addition to helping you set a realistic selling price so your property will attract many interested buyers, a professional appraisal is a very valuable negotiating tool once you have a likely buyer. The appraisal is something tangible to show the buyer. It's an independent third party's opinion of your property's price, and not just how much you think 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 a qualified appraiser's value estimation than yours.

Appraisals to cancel PMI

A fashionable way to cut costs for homeowners is getting the PMI removed 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 below 80% of the value of your home. In most cases you can apply to a lender to have the PMI removed from your loan. We are veterans in helping clients just like you delete undesirable PMI insurance.

Challenging a property tax assessment

Your local tax assessor may have your house overvalued if you live in an area that is going down. This only means you are paying higher taxes than you should be paying. The earlier you take care of things like this, the better, since your property assessment may likely go up again in the next period. A professional appraisal from People's Choice Appraisals is your strongest weapon when contesting your property tax assessment.

Recently got a freeze your HELOC?

Even if your specific property has not declined in value, your lender might choose to automatically freeze your home equity line of credit (HELOC) if your house is in a declining area. Not only can this be unsuitable from a cash flow angle, but it can be harmful to your credit score since it may appear as though that credit line is maxed out. An expert appraisal from People's Choice Appraisals can help you reinstate your HELOC.

We Offer Field and Desktop Appraisal Review Services

Have you just accepted a copy of your appraisal and you'd prefer to have a veteran appraiser double-check it for verity or do you desire a second opinion without the added cost and delay of waiting for a whole new appraisal? People's Choice Appraisals offers field reviews where we'll go out and check the subject and comps. If you're in a hurry, 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.

Do you need a retrospective review of an appraisal? People's Choice Appraisals can We can assist you. While typically requested by banks, you may wish to use this service if you suspect mortgage fraud related to your home.