Attention homeowners in Lumberton and Robeson County: Need an appraisal?

Here are the top seven reasons NC homeowners use Heritage Appraisal Service:

  1. To get a pre-listing appraisal (whether they're selling the home on their own or using a real estate agent)
  2. Challenge property tax assessments
  3. To cut their mortgage payment by removing PMI
  4. Reinstate your Home Equity Line of Credit (or HELOC)
  5. Verify another appraiser's report
  6. In the case of a NC divorce, where real estate property needs to be divided
  7. To determine the true market value of real estate in question to settle an estate

Need help determining the price of your house in or near Lumberton, NC?
Contact Heritage Appraisal Service.

We at Heritage Appraisal Service understand the individual needs of a homeowner looking for appraisal services. While our typical 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 (FSBO)

It's very hard to be objective about your house because of your emotional attachment to it. Our professional appraisers at Heritage Appraisal Service are objective. We won't just tell you what you want to hear, we will tell you what you need to know. A professional appraisal is very crucial as a negotiating tool once you have a likely 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 the buyer. The appraisal is an independent third party's opinion of your home's price, not just how much your house is worth. Potential buyers assume you have an emotional attachment to your home and will be far more likely to give credibility to an accomplished appraiser's value judgement than yours.

Need to cancel PMI?

Getting the PMI (Private Mortgage Insurance) canceled from your mortgage loan is a fashionable way to save money for homeowners. Your monthly payments will go down once your mortgage loan is below 80% of the value of your house. In most cases you can apply to a lender to have the PMI removed from your loan. We're veterans in helping people just like you delete undesirable PMI insurance.

Challenging property tax assessments

Lets say your home is not appreciating as much as other properties close to yours -- your local tax assessor may have your house overvalued. That only means you're paying more taxes than you should. The sooner 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. When contesting your property tax assessment, getting a professional appraisal from Heritage Appraisal Service is your strongest weapon.

HELOC recently frozen?

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

Do You Need Field and Desktop Appraisal Review Services?

Have you just gotten a copy of your appraisal and you'd prefer to have an expert double-check it for accuracy or do you desire a second opinion without the added expense and delay of waiting for a whole new appraisal? Heritage Appraisal Service offers field reviews where we'll go out and check the subject and comps in question. Or, if you're in a rush, 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.

Need a retrospective review of an appraisal report? We can We can assist you Even though this is usually requested by banks, you may desire to exercise this service if you suspect mortgage fraud related to your property.