Appraisal services for High Point and Guilford County homeowners

The top 7 reasons NC homeowners hire Phil Key Appraisals:

Get a pre-listing appraisal (whether they're selling the home themselves or using an agent)
Challenge Guilford county's assessment of your property
Remove PMI to reduce your monthly mortgage payment
To 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
Determine the true market value of real estate in question to settle an estate in Guilford county or NC

Own a home in or near High Point, NC and need help determining the price of it?
Contact Phil Key Appraisals.

At Phil Key Appraisals, we understand the individual needs of a consumer seeking appraisal services. Our customary business clients get the appraisal process and the customary documents we provide. But as a general consumer,we'll be sure you get extra guidance and explanations through the appraisal process to more clearly understand what we do and how we report our conclusions.

Pre-listing Services/For Sale By Owner

Since you have an emotional attachment to your 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 selling price so your property will attract interested buyers, a professional appraisal is a very important negotiating tool once you have an interested buyer. The appraisal is something tangible to show your buyer. It's an independent third party's opinion of your property's price, and not just how much your home is worth. Potential buyers assume that you have an emotional attachment to your house and will be more likely to give credibility to a seasoned appraiser's value estimation than yours.

Need to remove PMI?

An attractive way to cut expenses for homeowners is getting the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Your monthly payments will go down once your mortgage loan is less than 80% of the value of your home. In most cases you can apply to your lender to have the PMI canceled from your loan. Phil Key Appraisals is experts in helping homeowners just like you delete undesirable PMI insurance.

Challenging Guilford county's assessment of your property

Lets say you live in a region that's going down -- your local tax assessor may have your home overvalued. This only means you are going to pay higher taxes than you should be paying. The sooner you take care of a matter like this, the better off you'll be, since your property assessment may likely go up again in the next period. A professional appraisal from Phil Key Appraisals is your best weapon when challenging your property tax assessment.

HELOC recently frozen?

Your lender just may decide to automatically freeze your home equity line of credit (HELOC) if your home is near a declining area -- even if your specific property has not declined in value. This can be be destructive to your credit score since it may appear as though that credit line is maxed out, and also difficult and inconvenient from a cash flow standpoint. An expert appraisal from Phil Key Appraisals can help you reinstate your HELOC.

We Also Provide Field and Desktop Appraisal Review Services

Have you just been given a copy of your appraisal and you would wish to have a professional double-check it for preciseness or do you want a second opinion without the expense 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. If you need it ASAP, we'll 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 you may have in your possession. Even though this is usually requested by banks, you may desire to exercise this service if you suspect mortgage fraud related to your house.