Real estate appraisal services for homeowners in the city of Wrightsville Beach and New Hanover County

The top 7 reasons NC homeowners need A. Jay Cottle Appraisers LLC:

  1. Get a pre-listing appraisal (whether they're selling the home themselves or using a real estate agent)
  2. To challenge a NC property tax assessment
  3. To reduce their monthly mortgage payment by removing PMI
  4. To reinstate their Home Equity Line of Credit (HELOC)
  5. Review a different appraiser's report for verification
  6. In the case of a NC divorce, where property needs to be divided
  7. To settle an estate in NC by determining the true market value of property in question

Own a house in or near Wrightsville Beach, NC and need help deciding the value of it?
Contact A. Jay Cottle Appraisers LLC.

We at A. Jay Cottle Appraisers LLC understand the individual needs of a homeowner looking for appraisal services. While our typical 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

It's very hard to be objective about your own home because of your emotional attachment to it. Professional appraisers, like the ones at A. Jay Cottle Appraisers LLC, are 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 a very valuable negotiating tool once you have an interested buyer. It gives you something concrete to show the buyer. The appraisal is an independent third party's opinion of your home's price, not just you saying how much you think your house is worth. Potential buyers assume that you have an emotional attachment to your house and will be far more likely to give credibility to an expert appraiser's value estimation than yours.

Need to cancel PMI?

A fashionable way to cut costs for homeowners is to get the PMI removed 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 is less than 80% of the value of your property. In most cases you can apply to a lender to have the PMI eliminated from your loan. We're veterans in helping consumers just like you rid themselves of undesirable PMI insurance.

Challenging New Hanover county's assessment of your property

Lets say you live in an area that is going down -- your local tax assessor may have your home overvalued. This only means you're most likely paying higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the faster you take care of things like this, the better off you'll be. Getting an appraisal from A. Jay Cottle Appraisers LLC is your chief weapon when contesting your property tax assessment.

Recently got a freeze your HELOC?

If your house is in a declining area, your lender may just choose to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can be be unfavorable to your credit score since it may appear as though that credit line is maxed out, and also troublesome from a cash flow angle. A. Jay Cottle Appraisers LLC can help you reinstate your HELOC.

We Provide Field and Desktop Appraisal Review Services

Would you like a second opinion without the cost and delay of waiting for a whole new appraisal? Or do you want a professional to double-check your appraisal for preciseness? An appraiser from A. Jay Cottle Appraisers 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 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? We can help you with that While typically requested by banks, you may desire to employ this service if you suspect mortgage fraud related to your property.