Attention homeowners in Winston Salem and Forsyth County: Need an appraisal?
The top seven reasons NC homeowners call on Davidson & Associates:
Own a house in or near Winston Salem, NC and need help determining the price of it?
At Davidson & Associates, we understand the unique needs of a customer in need of appraisal services. While our usual business 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.
For-Sale-By-Owner (FSBO) / Pre-Listing Services
Since you have an emotional attachment to your home, it's often very hard to be objective about it. Our professional appraisers at Davidson & Associates are objective. We won't just tell you what you want to hear, we'll tell you what you need to know. A professional appraisal is very important as a negotiating tool once you have a potential buyer, in addition to helping you set a realistic selling price so your home will attract interested buyers. It gives you something concrete to show your buyer. It's an independent third party's opinion of your property's value, and not just you saying how much your home is worth. Potential buyers know that you have an emotional attachment to your house and will be much more likely to give credibility to a seasoned appraiser's value assessment than yours.
PMI Removal Appraisals
Getting the PMI (Private Mortgage Insurance) removed from your mortgage loan is an attractive way to cut expenses for homeowners. 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 canceled from your loan, which will make your monthly payments go down. At Davidson & Associates, we're experts in helping consumers just like you rid yourselves of unwanted and unneeded PMI insurance.
Challenging Forsyth county's assessment of your property
Lets say your home is not appreciating as much as other properties close to yours -- your local tax assessor may have your house overvalued. That means you are most likely paying more taxes than you should. The faster 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 Davidson & Associates is your strongest weapon when contesting your property tax assessment.
Recently got a freeze your HELOC?
Your lender may make the decision to automatically freeze your home equity line of credit (HELOC) if your home is near a declining area -- even if your specific property has not declined in value. This can be be harmful to your credit score since it may appear as though that credit line is maxed out, and also inopportune from a cash flow angle. Davidson & Associates can help you reinstate your home equity line of credit with a professional appraisal.
We Provide Field and Desktop Appraisal Review Services
Would you like a second opinion without the charge and delay of waiting for a whole new appraisal? Or do you want a seasoned expert to double-check your appraisal for efficiency? An appraiser from Davidson & Associates can go out and check the subject and comps in a field review. If you're in a hurry, we'll 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 report? We can help you with that While usually requested by banks, you may wish to utilize this service if you suspect mortgage fraud related to your home.