Appraisal services for Mount Holly and Gaston County homeowners

The top reasons NC homeowners call on Bill Starnes:

Get a pre-listing appraisal (whether they're selling the home themselves or using an agent)
Challenge property tax assessments
Remove PMI to cut your mortgage payment
To reinstate your Home Equity Line of Credit (HELOC)
Review another appraiser's report for verification
In the case of a NC divorce, when real estate needs to be divided
To determine the true market value of property in question to settle an estate

Own a home in or near Mount Holly, NC and need help determining the price of it?
Contact Bill Starnes.

At Bill Starnes, we understand the unique needs of a consumer seeking appraisal services. The appraisal process and reporting formats are relatively routine to our business clients like banks, lawyers, and CPAs. As our client, we'll be sure you get extra guidance and explanations through the appraisal process to more fully understand what we do and how we present our conclusions.

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

It's very hard to be objective about your own house because you most likely have an emotional attachment to it. The professional appraisers at Bill Starnes will tell you what you need to know -- not just what you want to hear. We are objective. A professional appraisal is very valuable as a negotiating tool once you have an attainable buyer, in addition to helping you set a realistic price to sell at so your house will attract many interested buyers. The appraisal is something concrete to show your buyer. It's an independent third party's opinion of your home's value, and not just how much your house is worth. Interested buyers know you have an emotional attachment to your house and will be more likely to give credibility to a qualified appraiser's value judgement than yours.

PMI Removal Appraisals

PMI stands for Private Mortgage Insurance. A fashionable way to cut costs for homeowners is to get the PMI removed from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan is down below 80% of the value of your home, 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 veterans in helping folks just like you dismiss undesirable PMI insurance.

Challenging property tax assessments

Lets say you live in a region that is going down -- your local tax assessor may have your house overvalued. This only means you are probably paying higher taxes than you should be paying. The earlier you take care of things like this, the better off you'll be, since your property assessment may likely go up again in the next period. Getting an appraisal from Bill Starnes is your number one weapon when challenging your property tax assessment.

Recently got a freeze your HELOC?

If your home is close to a declining area, your lender may just make the decision to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can be be damaging to your credit score since it may appear as though that credit line is maxed out, and also annoying from a cash flow viewpoint. Bill Starnes can help you reinstate your home equity line of credit with a professional appraisal.

Field and Desktop Appraisal Review Services

Have you just been given a copy of your appraisal and you would wish to have an expert double-check it for verity or do you want a second opinion without the added expense and delay of waiting for a whole new appraisal? In a field review we'll go out and check the subject and comparables in question. If you need it immediately, 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.

We can also provide a retrospective review of any appraisal report you may have had in the past. While usually requested by banks, you may desire to make use of this service if you suspect mortgage fraud related to your home.