Real estate appraisal services for homeowners in the city of Pilot Mountain and Surry County

The top 7 reasons why NC homeowners hire Needham & Associates, Inc.:

To get a pre-listing appraisal (whether they're selling the home themselves or using an agent)
Challenge a property tax assessment
Remove PMI to lower their mortgage payments
To reinstate your Home Equity Line of Credit (or HELOC)
To 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 real estate in question to settle an estate

Own a house in or near Pilot Mountain, NC and need help deciding the price of it?
Contact Needham & Associates, Inc..

At Needham & Associates, Inc., we understand the unique needs of a homeowner in need of appraisal services. Our business practices and reporting formats are relatively routine to our business clients like banks, attorneys, and accountants. Being a homeowner that most likely doesn't look at appraisals every day,we will provide you with extra guidance and explanations through the appraisal process to better understand what we do and how we document our conclusions.

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

It's very hard to be objective about your own house because you probably have an emotional attachment to it. Our professional appraisers at Needham & Associates, Inc. are objective. We won't just tell you what you want to hear, we'll tell you what you need to know. A professional appraisal is very valuable as a negotiating tool once you have a likely buyer, in addition to helping you set a realistic selling price so your property will attract buyers. It gives you something tangible to show your buyer. It's an independent third party's opinion of your property's value, and not just how much 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 estimation than yours.

Need to remove PMI?

An attractive money saver for homeowners is to get the PMI removed from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". 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 the lender to have the PMI eliminated from your loan. We're qualified in helping people just like you rid themselves of undesirable PMI insurance.

Challenge a property tax assessment

Your local tax assessor may have your house overvalued if you live in a local area that's declining or is not appreciating as much as other properties nearby. This only means you are probably paying higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the earlier you take care of things like this, the better off you'll be. Getting an appraisal from Needham & Associates, Inc. is your strongest weapon when challenging your property tax assessment.

HELOC recently frozen?

Even if your specific property has not declined in value, your lender just might decide to automatically freeze your home equity line of credit (HELOC) if your house is close to a declining area. Not only can this be inconvenient from a cash flow viewpoint, but it can be negative on your credit score since it may appear as though that credit line is maxed out. Needham & Associates, Inc. can help you reinstate your home equity line of credit with a professional appraisal.

We Provide Field and Desktop Appraisal Review Services

Do you need a seasoned professional to double-check your appraisal for verity, or do you need a second opinion without the added cost and delay of waiting for a whole new appraisal? An appraiser from Needham & Associates, Inc. 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.

Need a retrospective review of an appraisal report? We can help you with that While usually requested by banks, you may want to employ this service if you suspect mortgage fraud related to your home.