Appraisal services for Beaufort and Beaufort County homeowners
The top seven reasons SC homeowners call on Shepard Appraisal Group, LLC:
Own a home in or near Beaufort, SC and need help deciding the value of it?
We at Shepard Appraisal Group, LLC understand the particular needs of a consumer seeking appraisal services. While our typical clients understand the appraisal process and standard reporting formats, you as a consumer will get an extra level of customer service in the form of an explanation of the process and even special consumer-friendly reporting forms if the assignment allows for them.
For Sale By Owner (FSBO)/Pre-Listing Services
It's very hard to be objective about your own house because you most likely have an emotional attachment to it. Professional appraisers, like the ones at Shepard Appraisal Group, LLC, 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 house will attract buyers, a professional appraisal is very important as a negotiating tool once you have an interested buyer. It gives you something concrete to show your buyer. It's an independent third party's opinion of your house's price, and not just how much you think your house is worth. Potential buyers assume that you have an emotional attachment to your house and will be far more likely to give credibility to an expert appraiser's value assessment than yours.
Need to cancel PMI?
A preferred way to cut expenses for homeowners is getting 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 amount is less than 80% of the value of your property. In most cases you can apply to the lender to have the PMI eliminated from your loan. At Shepard Appraisal Group, LLC, we're experts in helping consumers just like you do away with unwanted and unneeded PMI insurance.
Challenging property tax assessments
Your local tax assessor may have your house overvalued if you live in a region that is going down or not appreciating as much as other houses nearby. That means you're probably paying more taxes than you should. The faster you take care of a matter like this, the better, since your property assessment may likely go up again in the next period. Getting an expert appraisal from Shepard Appraisal Group, LLC is your strongest weapon when contesting your property tax assessment.
Was your 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 home is in a declining area. This can be be detrimental to your credit score since it may appear as though that credit line is maxed out, and also difficult from a cash flow standpoint. Shepard Appraisal Group, LLC can help you reinstate your home equity line of credit with an expert appraisal.
Do You Need Field and Desktop Appraisal Review Services?
Have you just accepted a copy of your appraisal and you would wish to have a veteran appraiser double-check it for verity or do you need a second opinion without the expense and delay of waiting for a whole new appraisal? We can go out and check the subject and comparables in a field review. 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? We can help with that too. While usually requested by banks, you may desire to use this service if you suspect mortgage fraud related to your home.