Need an appraisal in Wilmington or New Hanover County?

The top 7 reasons why NC homeowners need Todd & Associates:

Pre-listing appraisals (whether they're selling the home on their own or using an agent)
Challenge property tax assessments
To cut your mortgage payment by removing PMI
To reinstate your Home Equity Line of Credit (or HELOC)
Review another appraiser's report for verification
If real estate property needs to be divided because of a divorce
To determine the true market value of real estate in question to settle an estate in New Hanover County or the state of NC

Own a home in or near Wilmington, NC and need help determining the value of it?
Contact Todd & Associates.

We at Todd & Associates understand the special needs of a homeowner in need of appraisal services. While our typical clients understand the appraisal process and standard reporting formats, you as a consumer will get extra 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/Pre-Listing Services

Since you have an emotional attachment to your own house, it's often very hard to be objective about it. Our professional appraisers at Todd & Associates are objective. We won't just tell you what you want to hear, we will tell you what you need to know. A professional appraisal is a very valuable negotiating tool once you have an attainable buyer, in addition to helping you set a realistic price to sell at so your property 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 how much your house is worth. Interested buyers know you have an emotional attachment to your house and will be far more likely to give credibility to an experienced appraiser's value opinion than yours.

Appraisals to cancel PMI

Getting the PMI (Private Mortgage Insurance) eliminated from your mortgage loan is a fashionable money saver for homeowners. Once your mortgage loan amount is down below 80% of the value of your home, in most cases you can apply to a lender to have the PMI canceled from your loan, which will make your monthly payments go down. At Todd & Associates, we're qualified in helping customers just like you remove unneeded and unwanted PMI insurance.

Challenging property tax assessments

If you live in a region that is declining or is not appreciating as much as other houses nearby, your local tax assessor may have your home overvalued. This only means you're probably paying higher taxes than you should be paying. The earlier you take care of things like this, the better, since your property assessment may likely go up again in the next period. Getting an appraisal from Todd & Associates is your #1 weapon when contesting your property tax assessment.

HELOC recently frozen?

Your lender may make the decision to automatically freeze your home equity line of credit (HELOC) if your house is in a declining area -- even if your specific property has not declined in value. Not only can this be difficult and inconvenient from a cash flow angle, but it can be harmful to your credit score since it may appear as though that credit line is maxed out. Todd & Associates can help you reinstate your home equity line of credit with efficient appraisal.

Field and Desktop Appraisal Review Services

Have you just been given a copy of your appraisal and you would like to have a seasoned professional double-check it for preciseness or do you desire 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 need it 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 report? We can help with that too. Even though this is typically requested by banks, you may need to exercise this service if you suspect mortgage fraud related to your home.