Attention homeowners in Morehead City and Carteret County: Need an appraisal?

The top 7 reasons NC homeowners order from Chalk & Gibbs, Inc:

Find the right listing price (whether they're selling the home on their own or using a real estate agent)
To challenge a NC property tax assessment
To lower your mortgage payment by removing PMI
To reinstate your Home Equity Line of Credit (or HELOC)
To review a different appraiser's report for verification
In the case of a NC divorce, where real estate needs to be divided
To settle an estate in NC by determining the true market value of property in question

Need help determining the value of your house in or near Morehead City, NC?
Contact Chalk & Gibbs, Inc.

At Chalk & Gibbs, Inc, we understand the particular needs of a consumer in need of appraisal services. While our typical business clients understand the appraisal process and standard reporting formats, you as a consumer will get extra 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

Since you have an emotional attachment to your house, it's often very hard to be objective about it. The professional appraisers at Chalk & Gibbs, Inc will tell you what you need to know -- not just what you want to hear. We are objective. A professional appraisal is a very valuable negotiating tool once you have a potential buyer, in addition to helping you set a realistic price to sell at so your house will attract many interested buyers. It's something concrete to show the buyer. It's an independent third party's opinion of your house's price, and not just how much your home is worth. Interested buyers know that you have an emotional attachment to your house and will be much more likely to give credibility to a qualified appraiser's value assessment than yours.

Need to cancel PMI?

PMI stands for Private Mortgage Insurance. A preferred money saver for homeowners is to get the PMI removed from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan amount is down below 80% of the value of your house, in most cases you can apply to a lender to have the PMI canceled from your loan, which will make your monthly payments go down. Chalk & Gibbs, Inc is experienced in helping folks just like you get rid of unneeded and unwanted PMI insurance.

Challenge a property tax assessment

Your local tax assessor may have your home overvalued if you live in a region 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 earlier you take care of things like this, the better off you'll be. A professional appraisal from Chalk & Gibbs, Inc is your chief weapon when contesting your property tax assessment.

Recently got a freeze your HELOC?

If your house is close to a declining area, your lender just might make the decision 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 unsuitable from a cash flow point of view, but it can be destructive to your credit score since it may appear as though that credit line is maxed out. Chalk & Gibbs, Inc can provide you with an expert appraisal that will help you reinstate your HELOC.

We Also Offer Field and Desktop Appraisal Review Services

Have you just received a copy of your appraisal and you would wish to have a seasoned professional double-check it for efficiency or do you need a second opinion without the added expense and delay of waiting for a whole new appraisal? In a field review we'll go out and check the subject and comparables. Or, if you need it in a rush, we can provide you with a desk review and verify as many facts as we can using online data sources as well as our own files.

We can also provide you with a a retrospective review of any appraisal you may have in your possession. While usually requested by banks, you may want to employ this service if you suspect mortgage fraud related to your property.