Need an appraisal in Huntersville or Cattaraugus County?
See the top 7 reasons North Carolina homeowners use Zientek Appraisals:
We at Zientek Appraisals understand the individual needs of a consumer after appraisal services. Our customary business clients understand the appraisal process and the standard "products" we deliver to them. Being a homeowner that ordinarily doesn't look at appraisals on a regular basis, we'll be sure you get extra guidance and explanations through the appraisal process to more fully understand what we do and how we report our findings.
For Sale by Owner/Pre-Listing ServicesSince you have an emotional attachment to your own house, it's often very hard to be objective about it. A professional appraiser is objective and will tell you what you need to know, not just what you want to hear. A professional appraisal is very important as a negotiating tool once you have a likely buyer, in addition to helping you set a realistic price to sell at so your home will attract buyers. The appraisal is something concrete to show your buyer. It's an independent third party's opinion of your house's value, and not just you saying 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 a qualified appraiser's value assessment than yours.
Challenge Tax AssessmentYour local tax assessor may have your house overvalued if you live in a local area that's declining. That means you are paying more taxes than you should. Since your property assessment may likely go up again in the next period, the sooner you take care of a matter like this, the better. When challenging your property tax assessment, getting an expert appraisal from Zientek Appraisals is your strongest weapon.
PMI Removal AppraisalsPMI stands for Private Mortgage Insurance. A fashionable way to save money for homeowners is getting the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan amount is below 80% of the value of your property, in most cases you can apply to your lender to have the PMI eliminated from your loan, which will make your monthly payments go down. At Zientek Appraisals, we're experienced in helping clients just like you remove unneeded PMI insurance.
Recently got a freeze to your HELOC?If your house is near a declining area, your lender just might make the decision to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. Not only can this be inconvenient from a cash flow viewpoint, but it can be damaging to your credit score since it may appear as though that credit line is maxed out. An expert appraisal from Zientek Appraisals can help you reinstate your HELOC.
We Offer Field and Desktop Appraisal Review ServicesDo you need a veteran appraiser to double-check your appraisal for efficiency, or do you want a second opinion without the expense and delay of waiting for a whole new appraisal? Zientek Appraisals offers field reviews where we'll go out and check the subject and comps. Or, if you're in a hurry, 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.
We can also provide you with a retrospective review of any appraisal you may have had in the past. While usually requested by banks, you may want to take advantage of this service if you suspect mortgage fraud related to your house.