Real estate appraisal services for homeowners in the city of Asheville and Buncombe County

Here are the top seven reasons why NC homeowners hire Southern Highland Appraisals:

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

Own a house in or near Asheville, NC and need help deciding the price of it?
Contact Southern Highland Appraisals.

At Southern Highland Appraisals, we understand the special needs of a consumer after appraisal services. The appraisal process and reporting formats are relatively routine to our business clients like banks, attorneys, and accountants. But as a consumer,you'll receive extra guidance and explanations through the appraisal process to more clearly understand what we do and how we document the results of our analysis.

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

Since you have an emotional attachment to your own home, it's often very hard to be objective about it. Professional appraisers, like the ones at Southern Highland Appraisals, will be objective. We'll 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 property will attract buyers, a professional appraisal is very valuable as a negotiating tool once you have a potential buyer. It's something concrete to show your buyer. It's an independent third party's opinion of your home's price, and not just how much your house is worth. Interested buyers know you have an emotional attachment to your home and will be far more likely to give credibility to an experienced appraiser's value judgement than yours.

Need to cancel PMI?

An attractive way to cut expenses for homeowners is to get the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Once your mortgage loan is down below 80% of the value of your home, in most cases you can apply to a lender to have the PMI eliminated from your loan, which will make your monthly payments go down. We are qualified in helping homeowners just like you get rid of unnecessary PMI insurance.

Challenging Buncombe county's assessment of your property

Your local tax assessor may have your house overvalued if your house not appreciating as much as other properties close by. This means you're paying higher taxes than you should be paying. The earlier you take care of a matter like this, the better, since your property assessment may likely go up again in the next period. Getting an appraisal from Southern Highland Appraisals is your #1 weapon when contesting your property tax assessment.

Was your HELOC recently frozen?

Even if your specific property has not declined in value, your lender may make the decision to automatically freeze your home equity line of credit (HELOC) if your property is close to a declining area. This can this be inopportune from a cash flow angle, and negative on your credit score since it may appear as though that credit line is maxed out. Southern Highland Appraisals can help you reinstate your home equity line of credit with a professional appraisal.

We Offer Field and Desktop Appraisal Review Services

Do you need a veteran appraiser to double-check your appraisal for precision, or do you desire a second opinion without the expense and delay of waiting for a whole new appraisal? Southern Highland Appraisals offers field reviews where we go out and check the subject and comps. If you need it in a rush, 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.

We can also provide a retrospective review of any appraisal you may have had in the past. While typically requested by banks, you may desire to use this service if you suspect mortgage fraud related to your house.