Attention homeowners: Real estate appraisal services for Charleston, Berkeley, Dorchester & Colleton Counties

Here are the top 7 reasons why South Carolina homeowners hire Two Rivers Appraisals:

  1. To get a pre-listing appraisal (whether they're selling the home themselves or using a real estate agent)
  2. Challenge property tax assessments
  3. To cut your mortgage payments by removing PMI
  4. To reinstate their Home Equity Line of Credit (HELOC)
  5. Review another appraiser's report for verification
  6. If real estate property needs to be divided because of a divorce
  7. To determine the true market value of real estate to settle an estate
Do you own a house in or near Mount Pleasant? Do you need help determining the value of your real estate? Contact Two Rivers Appraisals, Inc..

At Two Rivers Appraisals, we understand the individual needs of a consumer looking for appraisal services. The appraisal process and reporting formats are relatively routine to our business clients like banks, lawyers, and CPAs. Being a regular consumer that probably doesn't look at appraisals on a regular basis, we will give you extra guidance and explanations through the appraisal process to understand what we do and how we present our conclusions.

For Sale by Owner (FSBO)/Pre-Listing Services

It's very hard to be objective about your home because you probably have an emotional attachment to it. The professional appraisers at Two Rivers Appraisals will tell you what you need to know -- not just what you want to hear. We are objective. In addition to helping you set a realistic price to sell at so your house will attract interested buyers, a professional appraisal is very crucial as a negotiating tool once you have a potential buyer. The appraisal is something tangible to show your buyer. It's an independent third party's opinion of your house's value, and not just how much you think your house is worth. Interested buyers know that you have an emotional attachment to your house and will be more likely to give credibility to a seasoned appraiser's value report than yours.

Challenging Charleston County's assessment of your property

Let's say your house is not appreciating as much as other homes nearby -- your local tax assessor may have your house overvalued. This means you're probably paying higher taxes than you should be paying. The sooner you take care of things like this, the better, since your property assessment may likely go up again in the next period. An expert appraisal from Two Rivers Appraisals is your #1 weapon when challenging your property tax assessment.

Need to remove 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. Your monthly payments will go down once your mortgage loan amount is less than 80% of the value of your home. In most cases you can apply to a lender to have the PMI removed from your loan. At Two Rivers Appraisals we're experts in helping customers just like you dismiss unwanted PMI insurance.

Was your HELOC recently frozen?

Your lender may just make the decision 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 be harmful to your credit score since it may appear as though that credit line is maxed out, and also troublesome from a cash flow viewpoint. Two Rivers Appraisals can provide you with a professional appraisal that will help you reinstate your home equity line of credit.

Field and Desktop Appraisal Review Services

Do you need a seasoned expert to double-check your appraisal for verity, or do you need a second opinion without the cost and delay of waiting for a whole new appraisal? In a field review we will go out and check the subject and comps. If you're in a rush, we'll provide desk review and verify as many facts as we can, using online data sources as well as our own files.

We can also provide a retrospective review of any appraisal report you may have had done before. While typically requested by banks, you may need to exercise this service if you suspect mortgage fraud related to your house.