Real estate appraisal services for homeowners in the city of Asheville and Buncombe County

The top 7 reasons why NC homeowners use Oxford Home Valuations:

  1. Pre-listing appraisals (whether you're using an agent or selling the home on your own)
  2. To challenge a NC property tax assessment
  3. Remove PMI to reduce your mortgage payments
  4. Reinstate your Home Equity Line of Credit (or HELOC)
  5. To review another appraiser's report for verification
  6. In the case of a NC divorce, when property needs to be divided
  7. Settle an estate in NC by determining the true market value of real estate in question

Need help determining the price of your house in or near Asheville, NC?
Contact Oxford Home Valuations.

At Oxford Home Valuations, we understand the unique needs of a consumer looking for appraisal services. While our usual 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

It's very hard to be objective about your home because of your emotional attachment to it. Professional appraisers, like the ones at Oxford Home Valuations, will be objective. We'll tell you what you need to know, not just what you want to hear. A professional appraisal is a crucial negotiating tool once you have a likely buyer, in addition to helping you set a realistic selling price so your house will attract buyers. It's something concrete to show your buyer. The appraisal is an independent third party's opinion of your property's price, not just you saying how much you think your home is worth. Interested buyers assume you have an emotional attachment to your home and will be much more likely to give credibility to a seasoned appraiser's value conclusion than yours.

Need to cancel PMI?

A popular money saver for homeowners is getting the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Your monthly payments will go down once your mortgage loan amount is below 80% of the value of your home. In most cases you can apply to your lender to have the PMI removed from your loan. Oxford Home Valuations is experienced in helping customers just like you abolish unneeded and unwanted PMI insurance.

Challenging property tax assessments

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're going to pay 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 off you'll be. A professional appraisal from Oxford Home Valuations is your chief weapon when challenging your property tax assessment.

HELOC recently frozen?

Even if your specific property has not declined in value, your lender might make the decision to automatically freeze your home equity line of credit (HELOC) if your home is in a declining area. This can be be harmful to your credit score since it may appear as though that credit line is maxed out, and also difficult and inconvenient from a cash flow standpoint. Oxford Home Valuations can help you reinstate your home equity line of credit with a professional appraisal.

We Also Provide Field and Desktop Appraisal Review Services

Have you just been handed a copy of your appraisal and you would like to have a veteran appraiser double-check it for verity or do you desire a second opinion without the expense and delay of waiting for a whole new appraisal? We can go out and check the subject and comparables in a field review. Or, if you're in a hurry, 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.

Need a retrospective review of an appraisal report? We can We can assist you While typically requested by banks, you may need to make use of this service if you suspect mortgage fraud related to your home.