Attention homeowners in Cameron and Orangeburg County: Need an appraisal?

The top 7 reasons why SC homeowners need Wayne Osborne Appraisal Services:

Pre-listing appraisals (whether you're using an agent or selling the home on your own)
Challenge Orangeburg county's assessment of your propertyworth
To cut their monthly mortgage payment by removing PMI
To reinstate your Home Equity Line of Credit (HELOC)
Verify another appraiser's report
If real estate property needs to be divided because of a divorce
To settle an estate in SC by determining the true market value of property in question

Do you own a home in or near Cameron? Do you need help determining the price of your real estate?
Contact Wayne Osborne Appraisal Services.

At Wayne Osborne Appraisal Services, we understand the particular needs of a consumer looking for appraisal services. Our business practices and reporting formats are relatively routine to our business clients like lenders, lawyers, and accountants. As our non-traditionalclient, you'll receive 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)

It's very hard to be objective about your own home because you most likely have an emotional attachment to it. The professional appraisers at Wayne Osborne Appraisal Services will tell you what you need to know -- not just what you want to hear. We are objective. A professional appraisal is very crucial as a negotiating tool once you have a likely buyer, in addition to helping you set a realistic selling price so your property will attract interested buyers. The appraisal is something tangible to show the buyer. The appraisal is an independent third party's opinion of your property's price, not just how much your house is worth. Interested buyers know that you have an emotional attachment to your home and will be more likely to give credibility to a professional appraiser's value conclusion than yours.

Appraisals to remove PMI

A popular way to save money for homeowners is getting the PMI removed from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Once your mortgage loan amount is less than 80% of the value of your property, in most cases you can apply to your lender to have the PMI canceled from your loan, which will make your monthly payments go down. Wayne Osborne Appraisal Services is experienced in helping customers just like you remove unwanted PMI insurance.

Challenging a property tax assessment

Your local tax assessor may have your home overvalued if you live in a local area that's going down. This means you are most likely paying higher taxes than you should be paying. The earlier you take care of things like this, the better off you'll be, since your property assessment may likely go up again in the next period. When contesting your property tax assessment, getting an expert appraisal from Wayne Osborne Appraisal Services is your chief weapon.

HELOC recently frozen?

If your home is near a declining area, your lender just may decide to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can be be damaging to your credit score since it may appear as though that credit line is maxed out, and also troublesome from a cash flow viewpoint. Wayne Osborne Appraisal Services can help you reinstate your HELOC.

Field and Desktop Appraisal Review Services

Do you need a veteran appraiser to double-check your appraisal for precision, or do you desire a second opinion without the charge and delay of waiting for a whole new appraisal? Wayne Osborne Appraisal Services offers field reviews where we'll go out and check the subject and comps in question. Or, if you need it immediately, we can provide 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 report? Wayne Osborne Appraisal Services can help with that too. While typically requested by banks, you may wish to exercise this service if you suspect mortgage fraud related to your property.