Attention homeowners in Charlotte and Mecklenburg County: Need an appraisal?

Here are the top 7 reasons NC homeowners order from Bernard Valuation Services:

  1. Find the right listing price (whether they're selling the home themselves or using a real estate agent)
  2. Challenge a property tax assessment
  3. Remove PMI to reduce a mortgage payments
  4. Reinstate your Home Equity Line of Credit (HELOC)
  5. Verify another appraiser's report
  6. In the case of a NC divorce, when real estate needs to be divided
  7. To 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 Charlotte, NC?
Contact Bernard Valuation Services.

We at Bernard Valuation Services understand the particular needs of a customer after appraisal services. While our usual clients understand the appraisal process and standard reporting formats, you as a consumer will get an extra level of 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 (FSBO)

Since you have an emotional attachment to your home, 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 property will attract buyers, a professional appraisal is a very valuable negotiating tool once you have a potential buyer. It gives you something concrete to show the buyer. The appraisal is an independent third party's opinion of your property's value, not just how much your house is worth. Potential buyers assume you have an emotional attachment to your home and will be far more likely to give credibility to an experienced appraiser's value opinion than yours.

PMI Removal Appraisals

A popular money saver 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 amount is down below 80% of the value of your property, 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. Bernard Valuation Services is seasoned in helping customers just like you abolish unneeded PMI insurance.

Challenge Mecklenburg county's assessment of your property

Lets say you live in an area that is going down -- your local tax assessor may have your house overvalued. This means you're going to pay higher taxes than you should be paying. The sooner you take care of things like this, the better, since your property assessment may likely go up again in the next period. An expert appraisal from Bernard Valuation Services is your strongest weapon when challenging your property tax assessment.

Recently got a freeze your HELOC?

If your home is in or near a declining area, your lender may just decide to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can this be disadvantageous from a cash flow angle, and unfavorable to your credit score since it may appear as though that credit line is maxed out. Bernard Valuation Services can provide you with a professional appraisal to help you reinstate your HELOC.

Do You Need Field and Desktop Appraisal Review Services?

Do you need a professional to double-check your appraisal for accuracy, or do you need a second opinion without the added cost and delay of waiting for a whole new appraisal? In a field review we'll 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.

Need a retrospective review of an appraisal? We can help with that too. While typically requested by banks, you may wish to employ this service if you suspect mortgage fraud related to your home.