Real estate appraisal services for homeowners in the city of Summerville and Charleston County

Here are the top 7 reasons why SC homeowners need SPHERICAL APPRAISING:

To get a pre-listing appraisal (whether you're using an agent or selling the home on your own)
To challenge a SC property tax assessment
Remove PMI to reduce their monthly mortgage payment
To reinstate their Home Equity Line of Credit (or HELOC)
Verify a different appraiser's report
If real estate property needs to be divided because of a divorce
To determine the true market value of real estate in question to settle an estate in Charleston County or the state of SC

Do you own a house in or near Summerville? Do you need help deciding the value of your real estate?
Contact SPHERICAL APPRAISING.

At SPHERICAL APPRAISING, we understand the special needs of a consumer seeking appraisal services. Our business practices and reporting formats are relatively routine to our business clients like banks, attorneys, and accountants. Being a regular person not in the real estate business that most likely doesn't look at appraisals every day,we will provide you with extra guidance and explanations through the appraisal process to more fully understand what we do and how we report our findings.

Pre-listing Services/For Sale By Owner

It's very hard to be objective about your house because you probably have an emotional attachment to it. A professional appraiser is objective and will tell you what you need to know, not just what you want to hear. A professional appraisal is very valuable as a negotiating tool once you have a likely buyer, in addition to helping you set a realistic price to sell at so your home will attract interested buyers. It's something concrete to show your buyer. An appraisal is an independent third party's opinion of your property's value -- not just you saying how much you think your home is worth. Interested buyers assume that you have an emotional attachment to your house and will be more likely to give credibility to an expert appraiser's value report than yours.

Appraisals to remove PMI

A preferred way to cut expenses for homeowners is getting the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Once your mortgage loan is less than 80% of the value of your home, 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. SPHERICAL APPRAISING is qualified in helping people just like you do away with unneeded PMI insurance.

Challenge Tax Assessment

Your local tax assessor may have your house overvalued if you live in a local area that's declining. This means you are most likely paying higher taxes than you should be paying. 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 off you'll be. When contesting your property tax assessment, getting an appraisal from SPHERICAL APPRAISING is your perfect weapon.

Was your HELOC recently frozen?

Your lender might decide to automatically freeze your home equity line of credit (HELOC) if your house is close to a declining area -- 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 difficult and inconvenient from a cash flow angle. SPHERICAL APPRAISING can provide you with a professional appraisal to help you reinstate your home equity line of credit.

Need Field and Desktop Appraisal Review Services?

Have you just been given a copy of your appraisal and you would like to have a seasoned professional double-check it for accuracy or do you need a second opinion without the expense and delay of waiting for a whole new appraisal? We can go out and check the subject and comps in a field review. If you need it in a rush, 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? SPHERICAL APPRAISING can help with that too. While usually requested by banks, you may desire to employ this service if you suspect mortgage fraud related to your home.