Let Prestige Appraisal, LLC handle your appraisal needs

Each year, thousands of people in North Carolina buy, sell or refinance their home. Many of these transactions involve a simple line item for an appraisal. And even though there are a budding number of automated home valuation systems that might seem more cost-effective than an appraisal, the majority of lenders still need a local expert because the stakes are very high. You might think that getting a mortgage is the only reason to get an appraisal, but there are more cases when the services of a certified, independent real estate professional could come in handy.

Let Prestige Appraisal, LLC help you lower your mortgage payment

Appeal your tax assessment in Jackson County

It's possible you're paying too much in property taxes if you reside in an area where property values have declined. Property taxes are based upon a past assessment of your home, so if prices have gone down in your neighborhood, you can challenge your assessment and save money. An appraisal from Prestige Appraisal, LLC is your best evidence when building your case. We can assist you in challenging your tax assessment.

Eliminate PMI to lower your mortgage payment

Private Mortgage Insurance, or PMI, is an extra insurance plan that nearly all lenders ask buyers to buy when the amount being loaned to the homebuyer is more than 80% of the actual value of the property. Most often, this extra payment is folded into the monthly mortgage payment and is soon forgotten. This is unfortunate because PMI isn't necessary when the leftover balance of the loan - whether through market appreciation or principal pay down - decreases below the 80% level. In fact, the Homeowners Protection Act (HPA) of 1998 was invoked by the United States Congress that requires lenders to do away with the PMI installments when the loan-to-value ratio conditions have been met.

Prestige Appraisal, LLC will give you a statement regarding the value of your home, and the cost of the home valuation can usually be recovered in little time because you'll no longer be paying the PMI.

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Settle a divorce with fewer hang-ups

A divorce is often complicated by the difficult decision of who maintains the property, and it can be a particularly daunting occurrence for both parties. Regardless of the situation, it's a good idea to order an appraisal from Prestige Appraisal, LLC so both parties are fully aware of the true market value of their property.

The parties will have a better idea of what price to set, if they need to sell the home. And on the flip side, if a "buyout" is the chosen option, both parties will feel like they've gotten a fair evaluation.

Fair and accurate estate liquidation

The death of a loved one is a difficult time in life, and settling an estate from a death, or probate, often entails an appraisal to establish Fair Market Value for the residential property involved. The ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP) binds us with confidentiality, guaranteeing the fullest degree of discretion.

Most Americans don't have dedicated estate planners or executors to manage these affairs, unlike many wealthy individuals. And since a home or other property often makes up a disproportionate share of the total estate value, understanding the true worth of the real estate at hand is of significant importance to ensuring disputing parties leave knowing they've gotten a fair deal.

Relocate to or from Jackson County through an employee relocation program

We are familiar with the stress associated with an employee relocation. That being said, we take great care in establishing a convenient appointment time for the appraisal inspection. We encourage relocating employees to provide remarks on the positive attributes of their property, as well as information about any recent sales or listings in their area that they want considered during our thorough inspection.

Close on your home promptly — for the right price

Whether you want to sell your home on your own or with the help of a real estate agent, a professional appraisal can help you make a better educated decision when determining your selling price. An appraiser has no vested interest in what amount the house sells for, apart from real estate agents. Our fees aren't a percentage of the sales price, but rather they are based on our efforts to complete the appraisal report.

On a daily basis, we determine the difference in value things like an extra bathroom or a kitchen remodel can make. Seeking a professional appraisal is a reliable way to determine what improvements will add value and what a suitable sales price is for your home so you don't come up short or have your house on the market an unnecessarily long time, because we're experts in knowing how long properties stay on the market.

Let Prestige Appraisal, LLC help you sell your home quickly at the right price