Attention homeowners: Real estate appraisal services for in Clover and York County

Here are the top seven reasons SC homeowners need Smith & Associates Appraisals:

  1. Pre-listing appraisals (whether you're using a real estate agent or selling the home on your own)
  2. Challenge a property tax assessment
  3. To cut your monthly mortgage payment by removing PMI
  4. Reinstate your Home Equity Line of Credit (or HELOC)
  5. To review a different appraiser's report for verification
  6. In the case of a SC divorce, when real estate property needs to be divided
  7. Settle an estate in SC by determining the true market value of real estate in question

Need help deciding the price of your home in or near Clover, SC?
Contact Smith & Associates Appraisals.

We at Smith & Associates Appraisals understand the unique 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 extra service in the form of an explanation of the process and even special consumer-friendly reporting forms if the assignment allows for them.

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

It's very hard to be objective about your house because you probably have an emotional attachment to it. Our professional appraisers at Smith & Associates Appraisals are objective. We won't just tell you what you want to hear, we will tell you what you need to know. In addition to helping you set a realistic price to sell at so your home will attract many interested buyers, a professional appraisal is a very valuable negotiating tool once you have a likely buyer. The appraisal is something concrete to show the buyer. An 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 house and will be much more likely to give credibility to a qualified appraiser's value conclusion than yours.

PMI Removal Appraisals

PMI stands for Private Mortgage Insurance. An attractive way to cut expenses for homeowners is getting the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. 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 eliminated from your loan, which will make your monthly payments go down. We're qualified in helping folks just like you rid yourselves of unwanted PMI insurance.

Challenge a property tax assessment

Your local tax assessor may have your home overvalued if you live in an area that is declining. This only means you are probably paying higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the sooner you take care of a matter like this, the better off you'll be. When challenging your property tax assessment, getting an appraisal report from Smith & Associates Appraisals is your best weapon.

Recently got a freeze your HELOC?

If your property is in a declining area, your lender may choose to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can this be inconvenient from a cash flow viewpoint, and bad for your credit score since it may appear as though that credit line is maxed out. Smith & Associates Appraisals can provide you with efficient appraisal to help you reinstate your home equity line of credit.

Need Field and Desktop Appraisal Review Services?

Do you need a seasoned expert to double-check your appraisal for preciseness, or do you desire a second opinion without the expense and delay of waiting for a whole new appraisal? In a field review we will go out and check the subject and comparables. If you need it ASAP, we'll provide 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 in your possession. Even though this is typically requested by banks, you may want to exploit this service if you suspect mortgage fraud related to your home.