Need an appraisal in Asheville or Buncombe County?

The top 7 reasons why NC homeowners hire Earnhardt and Associates:

Pre-listing appraisals (whether they're selling the home on their own or using an agent)
Challenge Buncombe county's assessment of your property
To lower a mortgage payment by removing PMI
Reinstate their Home Equity Line of Credit (or HELOC)
Verify another appraiser's report
If real estate needs to be divided because of a divorce
To settle an estate in NC by determining the true market value of property in question

Do you own a house in or near Asheville? Do you need help determining the price of your real estate?
Contact Earnhardt and Associates.

At Earnhardt and Associates, we understand the special needs of a consumer after appraisal services. Our usual business clients understand the appraisal process and the usual "products" we deliver to them. But as a general consumer,you'll receive extra guidance and explanations through the appraisal process to more clearly understand what we do and how we report our conclusions.

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

Since you have an emotional attachment to your 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. In addition to helping you set a realistic selling price so your home will attract interested buyers, a professional appraisal is a crucial negotiating tool once you have a potential buyer. 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 how much you think your home is worth. Interested buyers assume you have an emotional attachment to your house and will be more likely to give credibility to an accomplished appraiser's value assessment than yours.

Appraisals to cancel PMI

Getting the PMI (Private Mortgage Insurance) removed from your mortgage loan is an attractive way to cut expenses for homeowners. Your monthly payments will go down once your mortgage loan is below 80% of the value of your house. In most cases you can apply to a lender to have the PMI removed from your loan. At Earnhardt and Associates, we're qualified in helping consumers just like you dismiss unwanted PMI insurance.

Challenge Buncombe county's assessment of your property

Your local tax assessor may have your home overvalued if your house is not appreciating as much as other properties close by. This means you're going to pay 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 a matter like this, the better. A professional appraisal from Earnhardt and Associates is your strongest weapon when challenging your property tax assessment.

HELOC recently frozen?

Your lender may just decide to automatically freeze your home equity line of credit (HELOC) if your home is close to a declining area -- even if your specific property has not declined in value. This can this be annoying from a cash flow point of view, and negative on your credit score since it may appear as though that credit line is maxed out. Earnhardt and Associates can help you reinstate your home equity line of credit with a professional appraisal.

We Offer Field and Desktop Appraisal Review Services

Would you like a second opinion without the cost and delay of waiting for a whole new appraisal? Or do you want a seasoned appraiser to double-check your appraisal for precision? We can go out and check the subject and comps in a field review. Or, if you need it immediately, 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 a retrospective review of any appraisal you may have had done before. Even though this is usually requested by banks, you may desire to exercise this service if you suspect mortgage fraud related to your property.