Attention homeowners in Raleigh and Wake County: Need an appraisal?

The top reasons NC homeowners need Thomas Harman:

Find the right listing price (whether they're selling the home themselves or using a real estate agent)
Challenge property tax assessments
Remove PMI to lower a monthly mortgage payment
Reinstate your Home Equity Line of Credit (or HELOC)
Verify another appraiser's report
If real estate needs to be divided because of a divorce
To settle an estate in Wake county or NC by determining the true market value of property in question

Do you own a home in or near Raleigh? Do you need help deciding the price of your real estate?
Contact Thomas Harman.

We at Thomas Harman understand the individual needs of a customer after appraisal services. Our business practices and reporting formats are relatively routine to our business clients like lenders, lawyers, and CPAs. But as a general consumer,you can expect extra guidance and explanations through the appraisal process to understand what we do and how we report the results of our analysis.

Pre-listing Services/For Sale By Owner

It's very hard to be objective about your own home because you probably have an emotional attachment to it. Professional appraisers, like the ones at Thomas Harman, are objective. We 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 buyers, a professional appraisal is very crucial as a negotiating tool once you have a likely buyer. The appraisal is something concrete to show your buyer. An appraisal is an independent third party's opinion of your house's price -- not just how much you think your house is worth. Potential buyers assume you have an emotional attachment to your house and will be more likely to give credibility to a qualified appraiser's value conclusion than yours.

Appraisals to cancel PMI

A fashionable way to cut costs for homeowners is to get 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 is less than 80% of the value of your home, 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. Thomas Harman is experts in helping homeowners just like you delete unnecessary PMI insurance.

Challenge Tax Assessment

Your local tax assessor may have your house overvalued if you live in a region that is going down or not appreciating as much as other properties nearby. That means you are probably paying more taxes than you should. The earlier you take care of things like this, the better off you'll be, since your property assessment may likely go up again in the next period. Getting a professional appraisal from Thomas Harman is your number one weapon when challenging your property tax assessment.

Was your HELOC recently frozen?

Your lender may decide to automatically freeze your home equity line of credit (HELOC) if your house is close to a declining area -- even if your specific property has not declined in value. This can this be annoying from a cash flow point of view, and detrimental to your credit score since it may appear as though that credit line is maxed out. An efficient appraisal from Thomas Harman can help you reinstate your HELOC.

We Provide Field and Desktop Appraisal Review Services

Have you just received a copy of your appraisal and you'd wish to have an expert double-check it for verity or do you want a second opinion without the expense and delay of waiting for a whole new appraisal? Thomas Harman offers field reviews where we'll go out and check the subject and comparables. If you're in a hurry, 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? Thomas Harman can help you with that. While typically requested by banks, you may need to employ this service if you suspect mortgage fraud related to your property.