Need an appraisal in Little River or Horry County?

The top 7 reasons SC homeowners need James Mumaw:

Pre-listing appraisals (whether they're selling the home themselves or using an agent)
To challenge a SC property tax assessment
To reduce their mortgage payments by removing PMI
To reinstate their Home Equity Line of Credit (or HELOC)
Verify a different appraiser's report
If real estate needs to be divided because of a divorce
To determine the true market value of property in question to settle an estate in Horry county or SC

Do you own a home in or near Little River? Do you need help determining the price of your real estate?
Contact James Mumaw.

We at James Mumaw understand the unique needs of a homeowner in need of appraisal services. The appraisal process and reporting formats are relatively routine to our business clients like banks, lawyers, and accountants. Being a regular homeowner that ordinarily doesn't look at appraisals every day,you will receive extra guidance and explanations through the appraisal process to more clearly 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 house because you probably have an emotional attachment to it. A professional appraiser is objective and will 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 property will attract buyers, a professional appraisal is very important as a negotiating tool once you have a likely buyer. The appraisal is something tangible to show your buyer. An appraisal is an independent third party's opinion of your home's price -- not just you saying how much your house is worth. Potential buyers assume that you have an emotional attachment to your house and will be much more likely to give credibility to an accomplished appraiser's value opinion than yours.

Appraisals to remove PMI

PMI stands for Private Mortgage Insurance. A popular way to cut expenses for homeowners is getting the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. Your monthly payments will go down once your mortgage loan amount is down below 80% of the value of your property. In most cases you can apply to your lender to have the PMI removed from your loan. James Mumaw is seasoned in helping folks just like you do away with unnecessary PMI insurance.

Challenge Tax Assessment

Your local tax assessor may have your home overvalued if you live in an area that is declining. This only means you are 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 a matter like this, the better off you'll be. Getting an appraisal from James Mumaw is your #1 weapon when contesting your property tax assessment.

Was your HELOC recently frozen?

If your property 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 this be troublesome from a cash flow standpoint, and bad for your credit score since it may appear as though that credit line is maxed out. James Mumaw can help you reinstate your HELOC.

We Provide Field and Desktop Appraisal Review Services

Would you prefer a second opinion without the expense and delay of waiting for a whole new appraisal? Or do you want a seasoned appraiser to double-check your appraisal for precision? We can go out and check the subject and comps in a field review. If you're in a rush, we'll provide desk review and verify as many facts as we can using online data sources as well as our own files.

We can also provide you with a a retrospective review of any appraisal you may have in your possession. While usually requested by banks, you may desire to use this service if you suspect mortgage fraud related to your house.