R. Raeford Rhyne Realty, Inc. in Statesville are called upon for numerous purposes

To a lot of us, an appraisal just looks like a line item on the settlement sheet for a home purchase or refinance. The majority of lenders still need a local expert because the stakes are incredibly high, even though there are an increasing number of automated home valuation systems that may seem cheaper than an appraisal. But is obtaining a mortgage the only reason you should get an appraisal? Are there more situations when the services of a licensed, independent real estate professional could be beneficial? Of course.


	Order appraisals on this website by simply clicking here.

Let R. Raeford Rhyne Realty, Inc. help you challenge your tax assessment in Iredell County

It's quite possible you're paying too much in property taxes if you reside in an area where property values have depreciated. Ad Valorem taxes are based upon a past assessment of your real estate, so if prices are less than what they used to be in your neighborhood, you can challenge your assessment and save money. An appraisal from R. Raeford Rhyne Realty, Inc. is your best evidence when building your case. At R. Raeford Rhyne Realty, Inc.,we can assist you in appealing your tax assessment.

Let R. Raeford Rhyne Realty, Inc. help you eliminate PMI to lower your mortgage payment

Private Mortgage Insurance, or PMI, is a supplemental insurance policy that most lenders ask homeowners to purchase when the amount being loaned to the homebuyer is more than 80% of the actual value of the property. Oftentimes, this added payment is bundled into the monthly mortgage payment and is quickly forgotten. PMI isn't necessary when the leftover balance of the loan - whether through market appreciation or principal pay down - goes below the 80% level, making this very unfortunate. In fact, the United States Congress invoked a law in 1998 (the Homeowners Protection Act of 1998) that requires lenders to dismiss the PMI installments when the loan-to-value ratio conditions have been met.

If you'd like to do away with PMI, R. Raeford Rhyne Realty, Inc. will provide you with a statement regarding the value of your home. The cost of the home valuation can usually be offset in just a few months because you'll no longer be paying the PMI.

Settling a divorce with less stress

A divorce is often complicated by the hard decision of who keeps the home, and it can be an especially heartbreaking ordeal for both parties. So both parties are completely aware of the true market value of their home, it's a good idea to order an appraisal from R. Raeford Rhyne Realty, Inc., regardless of the circumstances.

If the parties want to sell the home, they'll have a a good idea of what price to set. And if a "buyout" is the chosen option, both parties will feel like they've received a fair assessment.

Accurate and fair estate liquidation with R. Raeford Rhyne Realty, Inc.Settling an estate

Losing a loved one is a painful time in life, and settling an estate from a death, or probate, often requires an appraisal to establish Market Value for the residential property involved. We guarantee the utmost degree of discretion, as we're bound with confidentiality by the ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP).

Unlike wealthier individuals, most Americans do not have dedicated estate planners or executors to manage these affairs. A home or other property often makes up a disproportionate share of the total estate value, so knowing the true value of the real estate at hand is of significant importance to ensuring disputing parties walk away knowing they've gotten an honest deal.

Let R. Raeford Rhyne Realty, Inc. help you with relocating to or from Iredell County

We are aware of the headaches involved with an employee relocation. That's why we take great care in establishing an accommodating appointment time for the appraisal inspection. During our detailed process, we suggest employees that are moving to provide input on the positive features of their property, along with information about any recent sales or listings in their neighborhood that they want considered.

Selling your home quickly at the right price with an appraisal from R. Raeford Rhyne Realty, Inc.

Whether you choose to sell your home on your own or with the help of a real estate agent, a professional appraisal can help you make a better educated decision regarding your selling price. An appraiser has no vested interest in what price the house sells for, which is different than the interest of real estate agents. Our fees aren't contingent upon the value opinion we render, but rather they rest on our efforts to finish the appraisal.

On a daily basis, we determine the difference in value things like an extra bathroom or a kitchen remodel can make. And we're experts in knowing how long houses are on the market. So, seeking a professional appraisal is a reliable way to decide what improvements will add value and what an appropriate sales price is for your home so you don't come up short or have your house on the market for an extended amount of time.