Attention homeowners in Granite Falls and Houston County: Get an Appraisal today!

Here are the top reasons NC homeowners need Wendy Haeme:

  1. Pre-listing appraisals (whether you're using an agent or selling the home on your own)
  2. To challenge a NC property tax assessment
  3. Remove PMI to reduce their mortgage payment
  4. Reinstate their Home Equity Line of Credit (or HELOC)
  5. To review a different appraiser's report for verification
  6. If real estate needs to be divided because of a divorce
  7. To settle an estate in NC by determining the true market value of real estate in question

Own a home in or near Granite Falls, NC and need help deciding the value of it?
Contact Wendy Haeme.

We at Wendy Haeme understand the special needs of a homeowner in need of appraisal services. Our business practices and reporting formats are relatively routine to our business clients like lenders, attorneys, and accountants. Being a regular consumer that ordinarily doesn't look at appraisals every day,you will receive extra guidance and explanations through the appraisal process to better understand what we do and how we report our findings.

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. Professional appraisers, like the ones at Wendy Haeme, will be 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 property will attract buyers, a professional appraisal is a crucial negotiating tool once you have a potential buyer. The appraisal is something tangible to show the buyer. It's an independent third party's opinion of your property's price, and not just how much you think your house is worth. Interested buyers know that you have an emotional attachment to your house and will be far more likely to give credibility to a seasoned appraiser's value judgement than yours.

PMI Removal Appraisals

PMI stands for Private Mortgage Insurance. A preferred 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 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. Wendy Haeme is qualified in helping people just like you dismiss undesirable PMI insurance.

Challenge Tax Assessment

Your local tax assessor may have your house overvalued if your home is not appreciating as much as other properties close by. This only means you're probably 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 things like this, the better off you'll be. When contesting your property tax assessment, getting an expert appraisal from Wendy Haeme is your number one weapon.

Was your HELOC recently frozen?

Even if your specific property has not declined in value, your lender may decide to automatically freeze your home equity line of credit (HELOC) if your house is in or near a declining area. This can this be difficult from a cash flow viewpoint, and negative on your credit score since it may appear as though that credit line is maxed out. A professional appraisal from Wendy Haeme can help you reinstate your HELOC.

Field and Desktop Appraisal Review Services

Have you just accepted a copy of your appraisal and you would like to have an expert double-check it for efficiency or do you want a second opinion without the cost and delay of waiting for a whole new appraisal? An appraiser from Wendy Haeme can go out and check the subject and comps in question in a field review. If you're in a hurry, 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 report? Wendy Haeme can help you with that. While typically requested by banks, you may wish to make use of this service if you suspect mortgage fraud related to your property.