Let James Earp Appraisal Service attend to your appraisal needsEach year, thousands of people in North Carolina purchase, sell or refinance their home. Most of these transactions have a simple line item for an appraisal. While there are a multiplying number of automated home valuation systems that may seem more prudent than an appraisal, the majority of lenders still want a local expert because the stakes are incredibly high. Is securing a mortgage the only reason to get an appraisal? Are there more instances when the services of a licensed, independent real estate professional could be helpful? You bet there are. 
Contest your tax assessmentIt's quite possible you're paying too much in property taxes if you live in an area where property values have declined. Ad Valorem taxes are determined by a past assessment of your house, so if prices have declined in your area, you can challenge your assessment and save money. When building your case, an appraisal from us is your best evidence. At James Earp Appraisal Service, we're qualified to assist you in challenging your tax assessment. PMI removal to reduce your mortgage paymentPrivate Mortgage Insurance, or PMI, is an added insurance plan that almost all lenders ask buyers to purchase when the amount being loaned to the homebuyer is more than 80% of the actual value of the home. Since the extra payment is usually bundled into the monthly mortgage payment, it is often forgotten. PMI isn't necessary when the remainder of the loan - whether through market appreciation or principal pay down - goes below the 80% mark, making this very unfortunate. In fact, the United States Congress implemented a law in 1998 (the Homeowners Protection Act of 1998) that requires lenders to dismiss the PMI installments when the loan-to-value ratio conditions have been met. James Earp Appraisal Service will provide you with a statement regarding the value of your home, and the price you paid for the appraisal can generally be recovered in just a few months because you'll no longer be paying the PMI. Get your appraisal from James Earp Appraisal Service Order onlineDivorce settlement with fewer hang-upsA divorce can be a very horrible experience for both parties, and it is often more complicated by the troublesome decision of who gets the property. Regardless of the circumstances, it's a good idea to order an appraisal from James Earp Appraisal Service so both parties are entirely aware of the true market value of their house. The parties will have a better idea of what price to set, if they want to sell the home. And if a "buyout" is the chosen option, both parties will feel like they've received a fair assessment. Ascertain an accurate and fair valuation for estate liquidationLosing a loved one is a painful time in life, and settling an estate from a death, or probate, often entails an appraisal to establish Fair Market Value for the real estate involved. We guarantee the highest degree of discretion, as we're bound with confidentiality by the ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP). Unlike wealthier individuals, most Americans don't have dedicated estate planners or executors to handle these issues. A home or other property often makes up an unequal share of the total estate value, so understanding the true worth of the real estate at hand is of vital importance to ensuring disputing parties leave knowing they've received a fair deal. Relocate to or from Wake County for workWe are aware of the stress associated with an employee relocation. We take great care in establishing a convenient appointment time for the appraisal inspection. We encourage relocating employees to provide feedback on the positive attributes of their property, along with information about any current sales or listings in their neighborhood that they want considered during our thorough inspection. Close on your home promptly — for an accurate priceWhether you want to sell your home on your own or with the help of a real estate agent, a professional appraisal will help you make a better educated decision regarding your selling price. An appraiser has no vested interest in what amount the house sells for, unlike real estate agents. Our fees are based on our efforts to complete the appraisal report and and aren't related to the sales price. We analyze the difference in value things like an extra bathroom or a kitchen remodel can make on a daily basis. And we're experts in knowing how long homesstay on the market. So, seeking a professional appraisal is a reliable way to determine what improvements will add value and what a suitable sales price is for your home so you don't come up short or have your house on the market an unnecessarily long time. 
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