Need an appraisal in Clover or York County?

Here are the top seven reasons why SC homeowners order from Smith & Associates Appraisals:

  1. To get a pre-listing appraisal (whether they're selling the home themselves or using an agent)
  2. To challenge a SC property tax assessment
  3. Remove PMI to cut your mortgage payment
  4. Reinstate your Home Equity Line of Credit (or HELOC)
  5. To review another appraiser's report for verification
  6. In the case of a SC divorce, where property needs to be divided
  7. Determine the true market value of property in question to settle an estate in York county or SC

Own a house in or near Clover, SC and need help deciding the price of it?
Contact Smith & Associates Appraisals.

At Smith & Associates Appraisals, we understand the individual needs of a customer looking for appraisal services. While our usual business clients understand the appraisal process and standard reporting formats, you as a consumer will get extra service in the form of an explanation of the process and even special consumer-friendly reporting forms if the assignment allows for them.

Pre-listing Services/For Sale By Owner

Since you have an emotional attachment to your house, it's often very hard to be objective about it. Professional appraisers, like the ones at Smith & Associates Appraisals, are objective. We will tell you what you need to know, not just what you want to hear. In addition to helping you set a realistic selling price so your home will attract buyers, a professional appraisal is a very important negotiating tool once you have an attainable buyer. It gives you something concrete to show the buyer. An appraisal is an independent third party's opinion of your home's value -- not just you saying how much your house is worth. Potential buyers know that you have an emotional attachment to your house and will be more likely to give credibility to an accomplished appraiser's value estimation than yours.

PMI Removal Appraisals

PMI stands for Private Mortgage Insurance. A popular way to cut costs for homeowners is to get the PMI removed from their mortgage loan, thus saving them money on their monthly payments. Your monthly payments will go down once your mortgage loan is below 80% of the value of your property. In most cases you can apply to a lender to have the PMI removed from your loan. Smith & Associates Appraisals is qualified in helping consumers just like you do away with unnecessary PMI insurance.

Challenging York county's assessment of your property

Your local tax assessor may have your house overvalued if you live in an area that is declining. This only means you're paying higher taxes than you should be paying. 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 Smith & Associates Appraisals is your strongest weapon.

Was your HELOC recently frozen?

If your house is in or near a declining area, your lender might just choose to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can this be difficult from a cash flow angle, and bad for your credit score since it may appear as though that credit line is maxed out. Smith & Associates Appraisals can help you reinstate your home equity line of credit with a professional appraisal.

We Also Offer Field and Desktop Appraisal Review Services

Would you wish a second opinion without the charge and delay of waiting for a whole new appraisal? Or do you desire a seasoned professional to double-check your appraisal for preciseness? An appraiser from Smith & Associates Appraisals can go out and check the subject and comps in question in a field review. Or, if you need it ASAP, we can 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? Smith & Associates Appraisals can help you with that. Even though this is typically requested by banks, you may want to exploit this service if you suspect mortgage fraud related to your house.