Welcome to Carolina Home Valuations, LLC
Doing what we love to do, because VALUE MATTERS
Providing information and numbers you can understand and trust
Carolina Home Valuations & Consultations
Our Appraisal and Consultation Services
We appraise homes, offer consultation services and provide certified home measurements for residential homes, small residential income dwellings (1-4 units) as well as vacant property in all of Mecklenburg and Gaston County, and portions of the York County market.
Our Technology
We strive to use the latest technology in our industry, as well as the most current and accurate appraisal tools for property appraisals to improve our report quality, a benefit for you and other potential readers of the report. We measure homes with a Disto laser measuring device and draw our home sketches on-site for complete, accurate to 1/8 of an inch; defensible and dependable results, every time.
Who can order an Appraisal or Measurement Services?
Anyone can order an appraisal on their own home for any reason, from a Certified or Licensed Appraiser
- If the appraisal is for the purposes of re-financing or purchasing a home, the appraisal needs to be ordered by the Lender, to be accepted by the lender. You may never even see a copy, so ask them if you would like one. We are also FHA Approved. Here are a few lenders we work with... Karis; MercuryNetwork; LenderX; Guaranteed Rate; United Wholesale Mortgage and many more
Realtors can order measurement services, with their client’s consent, to help properly list the property at a price that is close to market value (to help it sell faster!). BTW, the home, if measured without an appraisal, is treated with the same care and accuracy as an appraisal is.
- Attorneys can order appraisals for clients. This often happens for an estate appraisal, or when the attorney’s client is getting divorced, and an appraisal needs to be ordered to determine the market value for the estate or divorce client and the attorney’s files and perhaps for the courts. We also offer expert testimony in court.
- For PMI removal, check with your lender to see if they have any sticky rules about appraisal ordering (they shouldn’t, but better to know for sure!). You may need to get your home appraised to see if it qualifies for removing the PMI.
- As a homeowner, you can order a property valuation on your own when you want to protest your property assessment and need solid information about the value of your home. Perhaps you're purchasing a home from a FSBO or paying cash for a home, an appraisal or home measurement will give you knowledge and certainty about your decision before you make it, reducing the chance of a misunderstanding, or worse.
The Appraisal Process
As a State Certified Appraiser I'm hired and entrusted to develop a supportable opinion of value. Professional appraisers are highly and continuously trained to develop an opinion of value by means of specialized training, detailed data analysis, research and using state-of-the-art tools. Are you looking for an FHA appraiser or have questions about FHA appraisals? I can help! I am FHA-approved. Are you a Real Estate Broker looking for a pre-listing appraisal? I can help you! I specialize in appraising single-family dwellings, luxury homes, condominiums, 2–4 unit apartment buildings, investment properties and vacant land. I would love to help you with your valuation needs.
Devon is on the FHA Roster of approved residential appraisers. If you have an FHA-insured mortgage, be sure to hire us, as we are approved and certified to handle FHA reports. FHA's guidelines, documentation and policies may seem difficult to grasp. We are well-trained on how to follow the rules and regulations provided.
The FHA is the Federal Housing Administration, which is a federal agency in the United States Department of Housing and Urban Development (HUD) - if your financial transaction is an FHA loan, it means it is secured by them. None of the funds are provided by the FHA; what the FHA does is make sure that the mortgage is insured in case the borrower doesn't pay their loan. The FHA and their loan programs are created to assist low-to-moderate income buyers help meet credit expectations if they otherwise would not.
The rates on FHA loans are generally market rates, while down payment requirements are lower than for conventional loans. FHA loan programs are particularly helpful to those homebuyers with less available starting capital.
Report Writing
When we write a report, we avoid unnecessary interruptions. Your accurate home appraisal or measurement report is our primary priority so we can deliver it on, or ahead of your schedule. We know just how important this is to you, so we go above and beyond to incorporate the data and details you need to keep a lender or underwriter from kicking a report back with questions or updates. Whenever possible, we spot trends early on for underwriting requirements and add them to our work flow pro-actively, before they are required or mandated.
Disclaimer
You should always have a local, qualified professional answer your appraisal/value related questions for any specific property. Do not make decisions about real estate based on information from a non-Certified or non-Licensed person.
Non-Mortgage Appraisals
For listing your home, property appeals, divorce, estate planning,
bankruptcy, consultation and just about any other non-mortgage need.
24-48 hour turnaround time after our physical inspection.
Satisfaction Guaranteed
Mortgage-Based Appraisals
As a Certified Residential Appraiser, Devon can handle all of your
Conventional and FHA appraisal needs. We work with Direct Lenders
and AMC’s. Our rates are competitive and our turn-time is quick and
efficient. Need a rush? Just let me know and I can accommodate.
Home Measurements
When you have the sketch of the home, provided by us, and the
accurate data to back up what you represent to be the accurate and
defensible size of the home you're listing, your CMA and your guidance
to your seller for pricing are much stronger.
Consultation Home Valuations
What are the Benefits of our Consultation Home Valuation?
- We set reasonable expectations for the seller
- Knowledge is power – knowing the value, the seller can negotiate with power
- Identify appraisal issues a bank appraiser may face and be prepared to assist
- Accurate pricing is the key to a successful sale
- Identify any required or optional repairs
- Determine key physical elements for proper marketing
- Our appraisal is strictly confidential and does not need to be disclosed to potential buyers
- Have a valuation consultant on your team throughout the process
- Market data research conducted shows that homes having a Consultation Home Valuation/Appraisal sell for a greater percentage of list price, in a shorter period of time.
WHAT DOES OUR CONSULTATION HOME APPRAISAL INCLUDE?
- A complete appraisal report with estimated value as well as suggested list price. I will provide guidance on improvements that may yield more than their cost. It’s like having a value insurance policy – we stand behind our value and will handle the rebuttal process completely free of charge if the subsequent lenders appraisal comes in lower.
- We also guarantee it will be completed within 48 hours of receipt of a previously completed lender appraisal. This is where most deals fall apart because the lender appraisal is received so late in the process and there is no time to get third party assistance. Most agent prepared rebuttals are not successful due to a lack of knowledge of what the underwriter is requiring.
- We are very successful in pinpointing errors and compelling the lender to demand a correct appraisal. Property must be priced at or below the recommend value. It must be listed within 30 days of the effective date of our report.