Attention homeowners in Kill Devil Hills and Dare County: Need an appraisal?

Here are the top 7 reasons why NC homeowners use Culpepper & Associates:

To get a pre-listing appraisal (whether you're using an agent or selling the home on your own)
Challenge Dare county's assessment of your property
To reduce a mortgage payments by removing PMI
To reinstate their Home Equity Line of Credit (HELOC)
Review another appraiser's report for verification
In the case of a NC divorce, where real estate property needs to be divided
To determine the true market value of real estate in question to settle an estate in Dare County or the state of NC

Own a home in or near Kill Devil Hills, NC and need help determining the price of it?
Contact Culpepper & Associates.

We at Culpepper & Associates understand the particular needs of a customer looking for appraisal services. While our usual clients understand the appraisal process and standard reporting formats, you as a consumer will get an extra level of customer 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

It's very hard to be objective about your own home because you most likely have an emotional attachment to it. Our professional appraisers at Culpepper & Associates are objective. We won't just tell you what you want to hear, we will tell you what you need to know. In addition to helping you set a realistic price to sell at so your house will attract buyers, a professional appraisal is a very important negotiating tool once you have an attainable buyer. It's something concrete to show your buyer. The appraisal is an independent third party's opinion of your property's value, not just you saying how much you think your home is worth. Potential buyers know you have an emotional attachment to your house and will be more likely to give credibility to a qualified appraiser's value report than yours.

Appraisals to remove PMI

Getting the PMI (Private Mortgage Insurance) eliminated from your mortgage loan is a fashionable way to cut costs 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 eliminated from your loan, which will make your monthly payments go down. At Culpepper & Associates, we're experts in helping clients just like you remove unneeded PMI insurance.

Challenging Dare county's assessment of your property

Your local tax assessor may have your home overvalued if you live in an area that's going down. This means you are going to pay higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the sooner you take care of a matter like this, the better off you'll be. Getting an expert appraisal from Culpepper & Associates is your #1 weapon when contesting your property tax assessment.

Recently got a freeze your HELOC?

If your home is in or near a declining area, your lender might make the decision to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can be be negative on your credit score since it may appear as though that credit line is maxed out, and also difficult from a cash flow point of view. A professional appraisal from Culpepper & Associates can help you reinstate your HELOC.

Do You Need Field and Desktop Appraisal Review Services?

Would you like a second opinion without the cost and delay of waiting for a whole new appraisal? Or do you want a veteran appraiser to double-check your appraisal for preciseness? An appraiser from Culpepper & Associates can go out and check the subject and comparables in question in a field review. If you need it immediately, we'll provide desk review and verify as many facts as we can using online data sources as well as our own files.

Do you need a retrospective review of an appraisal? Culpepper & Associates can help with that too. While typically requested by banks, you may want to use this service if you suspect mortgage fraud related to your home.