Appraisal services for Wrightsville Beach and New Hanover County homeowners

The top seven reasons why NC homeowners need Lumina Appraisal Co:

  1. Find the right listing price (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 cut their monthly mortgage payment
  4. To reinstate their Home Equity Line of Credit (HELOC)
  5. To review a different appraiser's report for verification
  6. If property needs to be divided because of a divorce
  7. Determine the true market value of real estate in question to settle an estate

Do you own a house in or near Wrightsville Beach? Do you need help deciding the value of your real estate?
Contact Lumina Appraisal Co.

At Lumina Appraisal Co, we understand the individual needs of a consumer looking for appraisal services. Our regular business clients get the appraisal process and the standard "products" we deliver to them. But as a consumer,we will provide you with 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 own home because you probably have an emotional attachment to it. Professional appraisers, like the ones at Lumina Appraisal Co, will be objective. We'll tell you what you need to know, not just what you want to hear. In addition to helping you set a realistic selling price so your house will attract buyers, a professional appraisal is very valuable as a negotiating tool once you have an interested buyer. It gives you something tangible to show your buyer. The appraisal is an independent third party's opinion of your house's value, not just how much your home is worth. Interested buyers assume that you have an emotional attachment to your home and will be much more likely to give credibility to a professional appraiser's value report than yours.

Need to cancel PMI?

PMI stands for Private Mortgage Insurance. A preferred 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 below 80% of the value of your house, 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're seasoned in helping homeowners just like you get rid of undesirable PMI insurance.

Challenge a property tax assessment

Your local tax assessor may have your house overvalued if your house not appreciating as much as other properties close to yours. That means you're most likely paying more taxes than you should. The quicker you take care of a matter like this, the better, since your property assessment may likely go up again in the next period. An expert appraisal from Lumina Appraisal Co is your #1 weapon when challenging your property tax assessment.

Recently got a freeze your HELOC?

Even if your specific property has not declined in value, your lender may just decide to automatically freeze your home equity line of credit (HELOC) if your home is in a declining area. This can this be unsuitable from a cash flow angle, and destructive to your credit score since it may appear as though that credit line is maxed out. Lumina Appraisal Co can help you reinstate your HELOC.

Do You Need Field and Desktop Appraisal Review Services?

Have you just gotten a copy of your appraisal and you would wish to have a seasoned professional double-check it for accuracy or do you need a second opinion without the cost and delay of waiting for a whole new appraisal? We can go out and check the subject and comps in question in a field review. Or, if you need it immediately, 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 help with that too. While usually requested by banks, you may desire to employ this service if you suspect mortgage fraud related to your house.