Need an appraisal in Hatteras or Dare County?
Here are the top reasons North Carolina homeowners use Ann Baum Appraisal Service:
We at Ann Baum Appraisal Service understand the individual needs of a homeowner after appraisal services. Our regular business clients get the appraisal process and the usual documents we provide. Being a person not in the real estate business that probably doesn't see an appraisal on a regular basis, we will give you extra guidance and explanations through the appraisal process to understand what we do and how we report our conclusions.
Pre-listing Services/For Sale by Owner (FSBO)Since you have an emotional attachment to your house, it's often very hard to be objective about it. Our professional appraisers at Ann Baum Appraisal Service 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 house will attract interested buyers, a professional appraisal is a very valuable negotiating tool once you have a potential buyer. The appraisal is something tangible to show your buyer. An appraisal is an independent third party's opinion of your property's value -- not just you saying how much your home is worth. Potential buyers know that you have an emotional attachment to your home and will be much more likely to give credibility to a qualified appraiser's value report than yours.
Challenge a property tax assessmentLet's say you live in a local area that's going down -- your local tax assessor may have your home overvalued. That only means you are going to pay more taxes than you should. Since your property assessment may likely go up again in the next period, the faster you take care of a matter like this, the better. When contesting your property tax assessment, getting an appraisal report from Ann Baum Appraisal Service is your perfect weapon.
Need to remove PMI?Getting the PMI (Private Mortgage Insurance) removed from your mortgage loan is a fashionable way to cut costs for homeowners. Your monthly payments will go down once your mortgage loan amount is down below 80% of the value of your house. In most cases you can apply to your lender to have the PMI canceled from your loan. Ann Baum Appraisal Service is seasoned in helping people just like you do away with unwanted PMI insurance.
Was your HELOC recently frozen?Your lender just might choose to automatically freeze your home equity line of credit (HELOC) if your home is in a declining area -- even if your specific property has not declined in value. This can be bad for your credit score since it may appear as though that credit line is maxed out, and also inconvenient from a cash flow viewpoint. Ann Baum Appraisal Service can help you reinstate your home equity line of credit with a professional appraisal.
We Provide Field and Desktop Appraisal Review ServicesWould you wish a second opinion without the cost and delay of waiting for a whole new appraisal? Or do you want a professional to double-check your appraisal for precision? Ann Baum Appraisal Service offers field reviews where we go out and check the subject and comparables in question. 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.
Do you need a retrospective review of an appraisal report? Ann Baum Appraisal Service can help you with that. Even though most review work is requested by lenders for quality control, homeowners suspecting they've been the victim of mortgage fraud are wise to invest in a second opinion.