Attention homeowners in Fayetteville and Cumberland County: Need an appraisal?

Here are the top 7 reasons why North Carolina homeowners hire Loveland Properties and Appraisal:

  1. Find the right listing price (whether you're using an agent or selling the home on your own)
  2. Challenge Cumberland County's assessment of your property
  3. To lower a mortgage payments by removing PMI
  4. To reinstate your Home Equity Line of Credit (or HELOC)
  5. Verify another appraiser's report
  6. If property needs to be divided because of a divorce
  7. Determine the true market value of the real estate in question to settle an estate
Need help deciding the value of your house in or near Fayetteville, North Carolina? Contact Loveland Properties and Appraisal.

At Loveland Properties and Appraisal, we understand the particular needs of a consumer seeking appraisal services. Our business practices and reporting formats are relatively routine to our business clients like lenders, attorneys, and CPAs. Being a homeowner that probably doesn't see an appraisal every day, you can expect 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. 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 house will attract buyers, a professional appraisal is very crucial as a negotiating tool once you have a potential buyer. It gives you something tangible to show the buyer. An appraisal is an independent third party's opinion of your home's value -- not just how much you think your home is worth. Potential buyers know you have an emotional attachment to your house and will be more likely to give credibility to an accomplished appraiser's value assessment than yours.

Challenging Cumberland County's assessment of your property

Your local tax assessor may have your house overvalued if you live in an area that's going down or is not appreciating as much as other properties close to yours. That means you're probably paying more taxes than you should. The faster you take care of a matter like this, the better off you'll be, since your property assessment may likely go up again in the next period. A professional appraisal from Loveland Properties and Appraisal is your chief weapon when contesting your property tax assessment.

PMI Removal Appraisals

Getting the PMI (Private Mortgage Insurance) canceled from your mortgage loan is a preferred way to cut expenses for homeowners. Your monthly payments will go down once your mortgage loan amount is less than 80% of the value of your property. In most cases you can apply to the lender to have the PMI removed from your loan. At Loveland Properties and Appraisal, we're veterans in helping folks just like you abolish unneeded and unwanted PMI insurance.

Recently got a freeze to your HELOC?

Your lender may just decide to automatically freeze your home equity line of credit (HELOC) if your house is near a declining area -- even if your specific property has not declined in value. This can be negative on your credit score since it may appear as though that credit line is maxed out, and also inopportune from a cash flow point of view. Loveland Properties and Appraisal can help you reinstate your home equity line of credit with efficient appraisal.

Do You Need Field and Desktop Appraisal Review Services?

Do you need a professional to double-check your appraisal for precision, or do you need a second opinion without the expense and delay of waiting for a whole new appraisal? Loveland Properties and Appraisal offers field reviews where we go out and check the subject and comps in question. 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 report? Loveland Properties and Appraisal can help you with that. While typically requested by banks, you may want to make use of this service if you suspect mortgage fraud related to your property.