Attention homeowners: Real estate appraisal services for in Huntersville and Mecklenburg County

The top seven reasons NC homeowners hire Epiphany Financial, LLC.:

Find the right listing price (whether they're selling the home themselves or using a real estate agent)
Challenge Mecklenburg county's assessment of your property
Remove PMI to reduce their mortgage payments
To reinstate your Home Equity Line of Credit (or HELOC)
Verify a different appraiser's report
If property needs to be divided because of a divorce
To determine the true market value of property in question to settle an estate

Need help deciding the price of your home in or near Huntersville, NC?
Contact Epiphany Financial, LLC..

We at Epiphany Financial, LLC. understand the unique needs of a customer looking for appraisal services. Our typical business clients understand the appraisal process and the customary reporting formats. Being a consumer that ordinarily doesn't see an appraisal on a regular basis,we'll be sure you get extra guidance and explanations through the appraisal process to more clearly understand what we do and how we document our conclusions.

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

Since you have an emotional attachment to your own home, 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 price to sell at so your home will attract many interested buyers, a professional appraisal is very crucial as a negotiating tool once you have an interested buyer. It gives you something concrete to show the buyer. An appraisal is an independent third party's opinion of your property's value -- not just how much your house is worth. Potential buyers know you have an emotional attachment to your home and will be more likely to give credibility to an accomplished appraiser's value judgement than yours.

Appraisals to cancel PMI

A fashionable way to cut costs for homeowners is getting the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Once your mortgage loan amount is less than 80% of the value of your house, 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. We are veterans in helping clients just like you get rid of unnecessary PMI insurance.

Challenging a property tax assessment

Lets say you live in a region that's declining -- your local tax assessor may have your home overvalued. That only means you're probably paying more taxes than you should. Since your property assessment may likely go up again in the next period, the earlier you take care of things like this, the better off you'll be. When challenging your property tax assessment, getting an appraisal report from Epiphany Financial, LLC. is your perfect weapon.

HELOC recently frozen?

Even if your specific property has not declined in value, your lender may make the decision to automatically freeze your home equity line of credit (HELOC) if your home is near a declining area. This can this be troublesome from a cash flow standpoint, and harmful to your credit score since it may appear as though that credit line is maxed out. Epiphany Financial, LLC. can help you reinstate your home equity line of credit with an expert appraisal.

We Also Offer Field and Desktop Appraisal Review Services

Do you need a seasoned expert to double-check your appraisal for preciseness, or do you need a second opinion without the cost and delay of waiting for a whole new appraisal? We can go out and check the subject and comps in question in a field review. Or, if you're in a rush, we can provide 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 report you may have had done before. While usually requested by banks, you may want to use this service if you suspect mortgage fraud related to your home.