Attention homeowners: Real estate appraisal services for in Columbia and Richland County

Here are the top seven reasons why SC homeowners use Bag Appraisals, LLC:

  1. Get a pre-listing appraisal (whether you're using a real estate agent or selling the home on your own)
  2. Challenge a property tax assessment
  3. Remove PMI to cut their monthly mortgage payment
  4. To reinstate your Home Equity Line of Credit (HELOC)
  5. Verify a different appraiser's report
  6. If real estate needs to be divided because of a divorce
  7. Settle an estate in SC by determining the true market value of real estate in question

Do you own a home in or near Columbia? Do you need help determining the price of your real estate?
Contact Bag Appraisals, LLC.

At Bag Appraisals, LLC, we understand the particular needs of a customer in need of appraisal services. Our typical business clients are used to the appraisal process and the usual "products" we deliver to them. But as a general consumer,we will give you extra guidance and explanations through the appraisal process to better understand what we do and how we report our conclusions.

Pre-listing Services/For Sale By Owner (FSBO)

Since you have an emotional attachment to your own home, it's often very hard to be objective about it. Our professional appraisers at Bag Appraisals, LLC are objective. We won't just tell you what you want to hear, we will tell you what you need to know. In addition to helping you set a realistic price to sell at so your property will attract many interested buyers, a professional appraisal is very crucial as a negotiating tool once you have a potential buyer. It gives you something tangible to show your buyer. The appraisal is an independent third party's opinion of your house's price, not just you saying how much your house is worth. Potential buyers assume you have an emotional attachment to your home and will be far more likely to give credibility to an accomplished appraiser's value judgement than yours.

PMI Removal Appraisals

Getting the PMI (Private Mortgage Insurance) eliminated from your mortgage loan is an attractive way to save money for homeowners. Once your mortgage loan amount is below 80% of the value of your property, in most cases you can apply to a lender to have the PMI removed from your loan, which will make your monthly payments go down. We are experienced in helping folks just like you get rid of unneeded and unwanted PMI insurance.

Challenge Tax Assessment

Lets say your home is not appreciating as much as other homes close by -- your local tax assessor may have your home overvalued. That only means you're probably paying more taxes than you should. Since your property assessment may likely go up again in the next period, the sooner you take care of a matter like this, the better off you'll be. A professional appraisal from Bag Appraisals, LLC is your best weapon when challenging 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 property is in a declining area -- even if your specific property has not declined in value. This can this be inopportune from a cash flow standpoint, and bad for your credit score since it may appear as though that credit line is maxed out. Bag Appraisals, LLC can provide you with a professional appraisal to help you reinstate your HELOC.

We Also Provide Field and Desktop Appraisal Review Services

Have you just gotten a copy of your appraisal and you would prefer to have a veteran appraiser double-check it for efficiency or do you want a second opinion without the charge and delay of waiting for a whole new appraisal? An appraiser from Bag Appraisals, LLC can go out and check the subject and comparables in question in a field review. Or, if you need it ASAP, we can provide you with a 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? Bag Appraisals, LLC can help with that too. Even though this is usually requested by banks, you may need to exploit this service if you suspect mortgage fraud related to your house.