Real estate appraisal services for homeowners in the city of Bluffton and Beaufort County

Here are the top 7 reasons SC homeowners need Ocean Appraisals, LLC.:

To get a pre-listing appraisal (whether you're using an agent or selling the home on your own)
Challenge property tax assessments
To reduce their mortgage payments by removing PMI
To reinstate their Home Equity Line of Credit (HELOC)
Review another appraiser's report for verification
If property needs to be divided because of a divorce
Settle an estate in SC by determining the true market value of real estate in question

Own a house in or near Bluffton, SC and need help deciding the value of it?
Contact Ocean Appraisals, LLC..

At Ocean Appraisals, LLC., we understand the individual needs of a homeowner seeking appraisal services. The appraisal process and reporting formats are relatively routine to our business clients like banks, attorneys, and CPAs. Being a consumer that probably doesn't look at appraisals on a regular basis,we will provide you with extra guidance and explanations through the appraisal process to more fully understand what we do and how we present our conclusions.

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. A professional appraiser is objective and will tell you what you need to know, not just what you want to hear. A professional appraisal is a very valuable negotiating tool once you have an attainable buyer, in addition to helping you set a realistic selling price so your property will attract interested buyers. It's something concrete to show your buyer. The appraisal is an independent third party's opinion of your house's price, not just how much you think your home is worth. Interested buyers assume you have an emotional attachment to your house and will be more likely to give credibility to a qualified appraiser's value opinion than yours.

Appraisals to cancel PMI

PMI stands for Private Mortgage Insurance. An attractive way to save money for homeowners is to get the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan is less than 80% of the value of your property, in most cases you can apply to your lender to have the PMI eliminated from your loan, which will make your monthly payments go down. We are seasoned in helping clients just like you dismiss undesirable PMI insurance.

Challenging Beaufort county's assessment of your property

Your local tax assessor may have your home overvalued if your home is not appreciating as much as other houses close to yours. That only means you are probably paying more taxes than you should. Since your property assessment may likely go up again in the next period, the quicker you take care of things like this, the better. An expert appraisal from Ocean Appraisals, LLC. is your chief weapon when challenging your property tax assessment.

HELOC recently frozen?

If your property is close to a declining area, your lender just might decide 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 inconvenient from a cash flow angle. Ocean Appraisals, LLC. can help you reinstate your HELOC.

We Also Offer Field and Desktop Appraisal Review Services

Do you need an expert to double-check your appraisal for accuracy, or do you need a second opinion without the added cost and delay of waiting for a whole new appraisal? Ocean Appraisals, LLC. offers field reviews where we'll go out and check the subject and comps in question. Or, if you're in a rush, we can provide desk review and verify as many facts as we can using online data sources as well as our own files.

Need a retrospective review of an appraisal? We can help you with that While typically requested by banks, you may wish to take advantage of this service if you suspect mortgage fraud related to your home.