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Attention homeowners in Concord and Cabarrus County: Need an appraisal?

The top reasons North Carolina homeowners need Choice Realty:

  1. Find the right listing price (whether you're using an agent or selling the home on your own)
  2. Challenge Cabarrus County's assessment of your property
  3. To lower a mortgage payment by removing PMI
  4. To reinstate their Home Equity Line of Credit (or HELOC)
  5. To review a different appraiser's report for verification
  6. In the case of a divorce in the state of North Carolina, when real estate needs to be divided
  7. To settle an estate in Cabarrus county or North Carolina by determining the true market value of the real estate in question
Do you own a home in or near Concord? Do you need help deciding the value of your real estate? Contact Choice Realty.

We at Choice Realty understand the individual needs of a customer after appraisal services. Our business practices and reporting formats are relatively routine to our business clients like banks, lawyers, and accountants. As our valued client, we will provide you with extra guidance and explanations through the appraisal process to more fully understand what we do and how we document our findings.

Pre-listing Services/For Sale by Owner

It's very hard to be objective about your own house because of your emotional attachment to it. Professional appraisers, like the ones at Choice Realty, are objective. We will tell you what you need to know, not just what you want to hear. A professional appraisal is a crucial negotiating tool once you have an attainable buyer, in addition to helping you set a realistic selling price so your house will attract interested buyers. It gives you something tangible to show the buyer. It's an independent third party's opinion of your property's value, and not just you saying how much you think your house is worth. Potential buyers know you have an emotional attachment to your house and will be more likely to give credibility to a professional appraiser's value conclusion than yours.

Challenge Tax Assessment

Your local tax assessor may have your home overvalued if your home not appreciating as much as other properties nearby. That means you are paying more taxes than you should. The sooner you take care of things like this, the better, since your property assessment may likely go up again in the next period. When contesting your property tax assessment, getting a professional appraisal from Choice Realty is your chief weapon.

Appraisals to remove PMI

Getting the PMI (Private Mortgage Insurance) removed from your mortgage loan is a fashionable money saver for homeowners. Your monthly payments will go down once your mortgage loan amount is less than 80% of the value of your house. In most cases you can apply to a lender to have the PMI canceled from your loan. We're experts in helping clients just like you rid yourselves of unwanted and unneeded PMI insurance.

HELOC recently frozen?

Your lender just might decide to automatically freeze your home equity line of credit (HELOC) if your property is near a declining area -- even if your specific property has not declined in value. This can be inconvenient from a cash flow angle, and harmful to your credit score since it may appear as though that credit line is maxed out. Choice Realty can help you reinstate your HELOC.

Field and Desktop Appraisal Review Services

Do you need a professional to double-check your appraisal for preciseness, or do you want a second opinion without the cost and delay of waiting for a whole new appraisal? An appraiser from Choice Realty can go out and check the subject and comparables in question in a field review. If you need it in a rush, 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.

Do you need a retrospective review of an appraisal? Choice Realty can help you with that. Even though most appraisal reviews are requested by lenders, homeowners that have reason to believe a prior appraisal wasn't above board are prudent to get a second opinion.