Attention homeowners in Kings Mountain and Cleveland County: Need an appraisal?

Here are the top 7 reasons why North Carolina homeowners call on H. Bruce Jones:

  1. Pre-listing appraisals (whether they're selling the home on their own or using an agent)
  2. To challenge your property tax assessment in North Carolina
  3. Remove PMI to reduce a monthly mortgage payment
  4. To reinstate your Home Equity Line of Credit (or HELOC)
  5. Verify a different appraiser's report
  6. In the case of a divorce in the state of North Carolina, when real estate property needs to be divided
  7. Settle an estate in North Carolina by determining the true market value of real estate
Do you own a house in or near Kings Mountain? Do you need help deciding the value of your real estate? Contact H. Bruce Jones.

We at H. Bruce Jones understand the particular needs of a consumer in need of appraisal services. While our usual business 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 (FSBO)/Pre-Listing Services

It's very hard to be objective about your own house because you most likely have an emotional attachment to it. The professional appraisers at H. Bruce Jones will tell you what you need to know -- not just what you want to hear. We are objective. A professional appraisal is a crucial negotiating tool once you have an attainable buyer, in addition to helping you set a realistic selling price so your home will attract interested buyers. The appraisal is something tangible to show the buyer. The appraisal is an independent third party's opinion of your property's market value, not just how much you think your house is worth. Potential buyers know you have an emotional attachment to your home and will be much more likely to give credibility to an experienced appraiser's value opinion than yours.

Challenge Tax Assessment

Your local tax assessor may have your house overvalued if your house not appreciating as much as other properties close to yours. That only means you're paying more taxes than you should. The sooner you take care of a matter like this, the better, since your property assessment may likely go up again in the next period. An appraisal from H. Bruce Jones is your number one weapon when challenging your property tax assessment.

PMI Removal Appraisals

A popular way to cut costs for homeowners is getting the PMI removed from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Once your mortgage loan amount is below 80% of the value of your house, in most cases you can apply to the lender to have the PMI removed from your loan, which will make your monthly payments go down. H. Bruce Jones is seasoned in helping people just like you get rid of unwanted PMI insurance.

Recently got a freeze to your HELOC?

If your house is near a declining area, your lender may 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 difficult and inconvenient from a cash flow point of view, but it can be unfavorable to your credit score since it may appear as though that credit line is maxed out. H. Bruce Jones can provide you with an expert appraisal that will help you reinstate your home equity line of credit.

Need Field and Desktop Appraisal Review Services?

Have you just been given a copy of your appraisal and you'd like to have a veteran appraiser double-check it for preciseness or do you desire a second opinion without the added cost and delay of waiting for a whole new appraisal? An appraiser from H. Bruce Jones can go out and check the subject and comparables in a field review. Or, if you're in a hurry, 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. Even though most appraisal reviews are commissioned by lenders for quality control, homeowners that have reason to believe a prior appraisal wasn't above board are prudent to invest in a second opinion.