Need an appraisal in Kings Mountain or Cleveland County?

The top 7 reasons why NC homeowners hire H. Bruce Jones:

  1. Find the right listing price (whether they're selling the home on their own or using an agent)
  2. Challenge a property tax assessment
  3. To reduce your mortgage payments by removing PMI
  4. Reinstate their Home Equity Line of Credit (or HELOC)
  5. Review another appraiser's report for verification
  6. In the case of a NC divorce, when property needs to be divided
  7. Determine the true market value of property in question to settle an estate in Cleveland county or NC

Do you own a house in or near Kings Mountain? Do you need help deciding the price of your real estate?
Contact H. Bruce Jones.

We at H. Bruce Jones understand the unique needs of a consumer in need of appraisal services. While our usual business clients understand the appraisal process and standard reporting formats, you as a consumer will get an extra level of 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 (FSBO) / Pre-Listing Services

Since you have an emotional attachment to your home, 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. In addition to helping you set a realistic price to sell at so your home will attract buyers, a professional appraisal is very crucial as a negotiating tool once you have a likely buyer. It's something tangible to show your buyer. An appraisal is an independent third party's opinion of your house's price -- not just you saying how much your home is worth. Potential buyers assume you have an emotional attachment to your house and will be more likely to give credibility to a seasoned appraiser's value estimation than yours.

Appraisals to cancel PMI

Getting the PMI (Private Mortgage Insurance) removed from your mortgage loan is a popular way to cut costs for homeowners. Once your mortgage loan amount is below 80% of the value of your house, in most cases you can apply to a lender to have the PMI eliminated from your loan, which will make your monthly payments go down. We're experienced in helping homeowners just like you abolish unwanted and unneeded PMI insurance.

Challenge Tax Assessment

If you live in a local area that is declining or is not appreciating as much as other houses close by, your local tax assessor may have your house overvalued. That only means you are most likely paying more taxes than you should. 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. An appraisal from H. Bruce Jones is your chief weapon when contesting your property tax assessment.

Was your HELOC recently frozen?

Your lender might choose to automatically freeze your home equity line of credit (HELOC) if your house is in or near a declining area -- even if your specific property has not declined in value. This can this be troublesome from a cash flow point of view, and unfavorable to your credit score since it may appear as though that credit line is maxed out. H. Bruce Jones can provide you with an expert appraisal to help you reinstate your HELOC.

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 added cost and delay of waiting for a whole new appraisal? An appraiser from H. Bruce Jones can go out and check the subject and comparables in a field review. If you need it immediately, we'll 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 report? We can help with that too. While typically requested by banks, you may need to make use of this service if you suspect mortgage fraud related to your property.