Ordering an appraisal from James Earp Appraisal Service

Thousands of people in North Carolina buy, sell or refinance their home each month. Most of these transactions include a simple line item for an appraisal. Nearly all lenders still call for a local expert because the stakes are very high, even though there are a budding number of automated home valuation systems that might appear to be more economical than an appraisal. You might believe that securing a mortgage is the only reason you should get an appraisal, but there are additional instances when the services of a certified, independent real estate professional could be beneficial.


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Let James Earp Appraisal Service help you challenge your tax assessment in Wake County

If you live in an area where the value of property has declined, it's possible you're paying too much in property taxes. When building your case, an appraisal from James Earp Appraisal Service is your best evidence. At James Earp Appraisal Service, we're equipped to assist you in disputing your tax assessment.

Let James Earp Appraisal Service help you do away with PMI to lower your mortgage payment

When the amount being loaned to the home buyer is more than 80% of the actual value of the home, nearly all lenders ask home owners to purchase an supplemental insurance plan. That policy is Private Mortgage Insurance, or PMI. Seeing that extra payment is usually bundled into the monthly mortgage payment, it is often forgotten. PMI isn't required when the leftover balance of the loan - whether through market appreciation or principal pay down - goes below the 80% mark, making this very unfortunate. In fact, the United States Congress passed a law in 1998 (the Homeowners Protection Act of 1998) that requires lenders to remove the PMI installments when the loan-to-value ratio conditions have been met.

If you'd like to eliminate PMI, James Earp Appraisal Service will produce a statement regarding the value of your home. The price you paid for the home valuation can often be recovered in little time because you'll no longer be paying the PMI.

Divorce settlement with less stress

A divorce can be a particularly daunting experience for both parties, and it is often even more complicated by the hard decision of who gets the house. It's a good idea to order an appraisal from James Earp Appraisal Service so both parties are entirely aware of the true market value of their property, regardless of the situation.

The parties will have a better idea of what price to set, if they want to sell the home. And on the flip side, if a "buyout" is the chosen option, both parties will feel like they've received a fair evaluation.

Settling an estate with peace of mind

Losing a loved one is a hard time in life, and settling an estate from a death, or probate, often requires an appraisal to establish Market Value for the residential property involved. The ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP) binds us with confidentiality, ensuring the utmost degree of discretion.

Most Americans do not have dedicated estate planners or executors to take care of these matters, unlike wealthy individuals. And since a home or other property often makes up a disproportionate share of the total estate value, knowing the absolute value of the real estate at hand is of essential importance to ensuring disputing parties leave knowing they've received a fair deal.

James Earp Appraisal Service can help you with relocating to or from Wake County

Employee relocation can be a more than just an inconvenience. We know where you're coming from! That being said, we take great care in setting up an accommodating appointment time for the appraisal inspection. During our detailed process, we suggest relocating employees to provide feedback on the positive aspects of their property, as well as information regarding any current sales or listings in their area that they want considered.

Let James Earp Appraisal Service help you sell your home quickly at the right price

A professional appraisal can help you make a more informed decision when determining your asking price, whether you choose to sell your home on your own or with the help of a real estate agent. With much different interests than a real estate agent, an appraiser has no vested interest in what amount the house sells for. Our fees are derived from our efforts to perform the appraisal report and not a percentage of the sales price.

We determine the difference in value things like an additional bathroom or a kitchen remodel can make on a daily basis. Obtaining a professional appraisal is a reliable way to decide what improvements will add value and what an applicable sales price is for your home - so you don't come up short or have your house on the market an unnecessarily long time - because we're experts in knowing how long houses are one the market.