Appraisal services for Columbia and Richland County homeowners
Here are the top reasons SC homeowners need Laub Appraisal Company:
Need help determining the value of your house in or near Columbia, SC?
At Laub Appraisal Company, we understand the special needs of a customer in need of appraisal services. Our usual business clients get the appraisal process and the customary reporting formats. Being a person not in the real estate industry that most likely 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 clearly understand what we do and how we present our conclusions.
Pre-listing Services/For Sale By Owner (FSBO)
Since you have an emotional attachment to your own house, it's often very hard to be objective about it. Our professional appraisers at Laub Appraisal Company are objective. We won't just tell you what you want to hear, we'll tell you what you need to know. A professional appraisal is very valuable as a negotiating tool once you have an interested buyer, in addition to helping you set a realistic selling price so your home will attract buyers. It's something tangible to show the buyer. The appraisal is an independent third party's opinion of your property's price, not just how much you think your house is worth. Interested buyers assume you have an emotional attachment to your home and will be far more likely to give credibility to an accomplished appraiser's value assessment than yours.
Need to cancel PMI?
PMI stands for Private Mortgage Insurance. A popular way to cut costs for homeowners is to get the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan is down below 80% of the value of your house, in most cases you can apply to your lender to have the PMI removed from your loan, which will make your monthly payments go down. Laub Appraisal Company is qualified in helping clients just like you dismiss unneeded and unwanted PMI insurance.
Challenge Tax Assessment
Your local tax assessor may have your home overvalued if you live in a region that is declining or not appreciating as much as other houses close to yours. That only means you are going to pay more taxes than you should. 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 off you'll be. An appraisal from Laub Appraisal Company is your number one weapon when contesting your property tax assessment.
Recently got a freeze your HELOC?
If your home is in a declining area, your lender just might decide 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 inopportune from a cash flow viewpoint, but it can be harmful to your credit score since it may appear as though that credit line is maxed out. Laub Appraisal Company can provide you with a professional appraisal to help you reinstate your HELOC.
Do You Need Field and Desktop Appraisal Review Services?
Would you prefer a second opinion without the charge and delay of waiting for a whole new appraisal? Or do you desire a professional to double-check your appraisal for precision? We can go out and check the subject and comps 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.
Need a retrospective review of an appraisal report? We can We can assist you Even though this is typically requested by banks, you may wish to use this service if you suspect mortgage fraud related to your house.