Need an appraisal in Graham or Alamance County?
Here are the top reasons North Carolina homeowners use McVey Appraisals:
- Pre-listing appraisals (whether you're using a real estate agent or selling the home on your own)
- Challenge Alamance County's assessment of your property
- Remove PMI to cut a mortgage payment
- To reinstate their Home Equity Line of Credit (or HELOC)
- Review a different appraiser's report for verification
- If real estate property needs to be divided because of a divorce
- Settle an estate in North Carolina by determining the true market value of a property
||Do you own a home in or near Graham? Do you need help determining the price of your real estate? Contact McVey Appraisals.
At McVey Appraisals, we understand the unique needs of a homeowner seeking appraisal services. Our business practices and reporting formats are familiar to our business clients like lenders, attorneys, and CPAs. But as a general consumer, you'll receive extra guidance and explanations through the appraisal process to more fully understand what we do and how we document the results of our analysis.
For Sale by Owner/Pre-Listing ServicesSince you have an emotional attachment to your own house, it's often very hard to be objective about it. The professional appraisers at McVey Appraisals will tell you what you need to know -- not just what you want to hear. We are objective. A professional appraisal is very important as a negotiating tool once you have a potential buyer, in addition to helping you set a realistic price to sell at so your house will attract many interested buyers. It's something concrete to show the buyer. An appraisal is an independent third party's opinion of your property's value -- not just you saying how much you think your home is worth. Interested buyers know that you have an emotional attachment to your home and will be far more likely to give credibility to an accomplished appraiser's value conclusion than yours.
Challenging Alamance County's assessment of your propertyLet's say your house is not appreciating as much as other properties close to yours -- your local tax assessor may have your home overvalued. That only means you're paying more taxes than you should. Since your property assessment may likely go up again in the next period, the earlier you take care of things like this, the better. Getting an expert appraisal from McVey Appraisals is your best weapon when challenging your property tax assessment.
Appraisals to cancel PMIPMI stands for Private Mortgage Insurance. An attractive way to save money for homeowners is getting the PMI removed from their mortgage loan, thus saving them money on their monthly payments. 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 eliminated from your loan, which will make your monthly payments go down. At McVey Appraisals, we're seasoned in helping folks just like you delete unwanted and unneeded PMI insurance.
Recently got a freeze to your HELOC?If your house is near a declining area, your lender may decide to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can be detrimental to your credit score since it may appear as though that credit line is maxed out, and also inconvenient from a cash flow angle. An appraisal from McVey Appraisals can help you reinstate your HELOC.
We Offer Field and Desktop Appraisal Review ServicesDo you need a veteran appraiser to double-check your appraisal for verity, or do you need a second opinion without the charge and delay of waiting for a whole new appraisal? An appraiser from McVey Appraisals can go out and check the subject and comps in a field review. Or, if you need it immediately, 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.
Do you need a retrospective review of an appraisal report? McVey Appraisals can help you with that. While typically requested by banks, you may need to use this service if you suspect mortgage fraud related to your home.