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Leaders
In Real Estate Appraising Consumer Consulting Services As buyers become more and more concerned
over how they spend their money, they want to know if the investment of purchasing a specific property is a good one.
A solid investment in today's economy can mean the difference in success or failure, profit or loss, financial security or
disaster, and in satisfaction or dissatisfaction. Many buyers purchase a home thinking the decision they made was good, only
to later have regrets related to the purchase, realizing too late that there were unseen issues with the property, the neighborhood
where the property was located, or market conditions that may effect future value. While home inspections
may reveal conditions related to the structures, they do not include information about the condition of the site, the surrounding
neighborhood, or market trends. Realtors, and we love them tremendously, carry a certain amount of bias with regard
to selling property. Let's face the fact; they profit from selling a home. They profit more when the home
sells for more. Many real estate listings paint pictures of perfection and do not provide information related to
market or neighborhood conditions. Their commission is based on a percentage of the sales price. Therefore,
depending on a realtor to disclose conditions related to the improvements, the site, the surrounding neighborhood, or declining
values, could prove to be detrimental to a prospective buyer. Appraisers,
on the other hand, do not profit from the sale of a home and certify in appraisal reports that they have no interest in the
properties they are engaged to appraise. Appraisers are not paid based on the sales price of property. It is a
clear violation of ethics and federal law and could influence an appraiser to over-value a property to obtain a
higher fee for the job. Strict appraiser regulations and laws are in place designed to protect all who use the services
of an appraiser. During the process of obtaining a mortgage loan, buyers rarely have the opportunity to interact with
the appraiser. Banks hire the appraisers to provide appraisal services and laws prohibit appraiser's who are engaged
by lenders from sharing information related to an appraisal assignment with anyone other than the lender. Consumers,
or buyers, are predestined to totally trust realtors, lenders, and the appraiser hired by the lender,
to protect their interests. The alternative solution rarely occurs. Buyers have the
option to hire their own independent appraiser prior to submitting an application for a mortgage transaction. While
the lender will still require an appraisal from an appraiser hired by the lender once the application is made for mortgage,
obtaining a report from an appraiser hired by the buyer can open the door for ensuring the appraiser understands he or she
has been hired specifically to identify the property's standing in the market. The appraiser working for the consumer
can provide consulting services that could identify other properties that might stimulate higher interest from the
buyer, save the buyer money by identifying how market trends are affecting values, and allow the buyer to make an offer
based on trend history.
EXPERIENCED FHA APPRAISERS We're not rookies at Carolina
Certified Appraisals, Inc. when it comes to appraising properties for FHA insurable programs. The recent FHA changes
that allows Appraisers to apply for FHA Appraisal roster status without testing or certification with no FHA experience could
place lenders and consumers at risk of providing and/or receiving inaccurate FHA appraisals. You
want and need a seasoned FHA Appraiser who knows all FHA property requirements, one you can rely upon
to reduce your risks related to FHA insurable programs, and an Appraiser you can trust to look out for your best
interest. We know FHA requirements and provide you with reports that fully explain the property's
position related to FHA property requirements. We can provide for your USDA needs, as well. If you are a new lender to FHA we can also assist you in understanding
what is required for a property to meet FHA standards, as well as work with you to help you determine
if items not meeting requirements can be resolved.
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Primary Coverage Secondary
Coverage
Buncombe County
Jackson County
Haywood County
McDowell County
Henderson County
Rutherford County
Madison County Yancey County
Transylvania County
Services provided within our secondary coverage
areas may result in higher fees compared to our primary coverage areas. Contact our office for more details or to inquire about product pricing.
Coverage Areas By Towns/Cities |
Asheville, Arden, Weaverville, Candler, Swannanoa, Black Mountain, Fairview,
Fletcher, Hendersonville, Horse Shoe, Etowah, Gerton, Pisgah Forest, Brevard, Canton, Waynesville, Maggie Valley, Marshall,
Mars Hill, Sylva, Cullowhee, Forest City, Rutherfordton, Marion, and Old Fort.
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WE ACCEPT ALL MAJOR CREDIT CARDS.
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