Attention homeowners: Real estate appraisal services for in Chapel Hill and Durham County

The top 7 reasons NC homeowners hire Viviree Scotton:

  1. To get a pre-listing appraisal (whether they're selling the home on their own or using an agent)
  2. Challenge property tax assessments
  3. Remove PMI to reduce their monthly mortgage payment
  4. To reinstate their Home Equity Line of Credit (or HELOC)
  5. To review another appraiser's report for verification
  6. If real estate needs to be divided because of a divorce
  7. To determine the true market value of real estate in question to settle an estate

Own a home in or near Chapel Hill, NC and need help deciding the value of it?
Contact Viviree Scotton.

We at Viviree Scotton understand the special needs of a customer after appraisal services. Our business practices and reporting formats are relatively routine to our business clients like lenders, lawyers, and CPAs. As our client, we'll be sure you get extra guidance and explanations through the appraisal process to better understand what we do and how we present the results of our analysis.

For-Sale-By-Owner (FSBO) / Pre-Listing Services

It's very hard to be objective about your own house because of your emotional attachment to it. Professional appraisers, like the ones at Viviree Scotton, 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 home will attract interested buyers, a professional appraisal is a crucial negotiating tool once you have a potential buyer. It gives you something tangible to show your buyer. It's an independent third party's opinion of your property's price, and not just you saying how much you think your house is worth. Potential buyers assume that you have an emotional attachment to your home and will be more likely to give credibility to a seasoned appraiser's value judgement than yours.

Need to cancel PMI?

PMI stands for Private Mortgage Insurance. A popular way to cut costs for homeowners is to get the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan is below 80% of the value of your home, 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 veterans in helping clients just like you remove unwanted and unneeded PMI insurance.

Challenge a property tax assessment

Lets say your house is not appreciating as much as other houses close by -- your local tax assessor may have your home overvalued. That only means you're probably paying more taxes than you should. Since your property assessment may likely go up again in the next period, the sooner you take care of things like this, the better. Getting an appraisal report from Viviree Scotton is your number one weapon when challenging your property tax assessment.

Was your HELOC recently frozen?

Even if your specific property has not declined in value, your lender just might make the decision to automatically freeze your home equity line of credit (HELOC) if your home is in a declining area. Not only can this be difficult from a cash flow viewpoint, but it can be unfavorable to your credit score since it may appear as though that credit line is maxed out. Viviree Scotton can help you reinstate your HELOC.

We Also Offer Field and Desktop Appraisal Review Services

Would you wish a second opinion without the added expense and delay of waiting for a whole new appraisal? Or do you desire a veteran 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 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? We can help you with that While usually requested by banks, you may need to make use of this service if you suspect mortgage fraud related to your house.