Need an appraisal in Charlotte or Mecklenburg County?

Check out the top 7 reasons NC homeowners use Stepken Realty Services LLC:

  1. To get a pre-listing appraisal (whether you're using a real estate agent or selling the home on your own)
  2. Challenge Mecklenburg county's assessment of your property
  3. Remove PMI to cut a mortgage payments
  4. To reinstate their Home Equity Line of Credit (or HELOC)
  5. Review another appraiser's report for verification
  6. In the case of a NC divorce, where property needs to be divided
  7. Settle an estate in NC by determining the true market value of property in question

Do you own a house in or near Charlotte? Do you need help determining the value of your real estate?
Contact Stepken Realty Services LLC.

At Stepken Realty Services LLC, we understand the unique needs of a consumer seeking appraisal services. While our usual 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 house because you probably have an emotional attachment to it. The professional appraisers at Stepken Realty Services LLC will tell you what you need to know -- not just what you want to hear. We are objective. In addition to helping you set a realistic selling price so your house will attract many interested buyers, a professional appraisal is very crucial as a negotiating tool once you have an interested buyer. The appraisal is something tangible to show your buyer. An appraisal is an independent third party's opinion of your property's value -- not just you saying how much your house is worth. Potential buyers know 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 remove PMI?

PMI stands for Private Mortgage Insurance. A popular money saver for homeowners is to get the PMI canceled 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 house. In most cases you can apply to a lender to have the PMI eliminated from your loan. Stepken Realty Services LLC is veterans in helping folks just like you delete unneeded PMI insurance.

Challenge Tax Assessment

Your local tax assessor may have your home overvalued if you live in a region that is declining or not appreciating as much as other homes close by. That means you're going to pay more taxes than you should. Since your property assessment may likely go up again in the next period, the sooner you take care of a matter like this, the better. When contesting your property tax assessment, getting an appraisal report from Stepken Realty Services LLC is your chief weapon.

Recently got a freeze your HELOC?

Even if your specific property has not declined in value, your lender might just make the decision to automatically freeze your home equity line of credit (HELOC) if your house is in a declining area. This can be be negative on your credit score since it may appear as though that credit line is maxed out, and also disadvantageous from a cash flow point of view. Stepken Realty Services LLC can help you reinstate your home equity line of credit with efficient appraisal.

Field and Desktop Appraisal Review Services

Have you just gotten a copy of your appraisal and you would prefer to have a seasoned professional double-check it for verity or do you need a second opinion without the added cost and delay of waiting for a whole new appraisal? An appraiser from Stepken Realty Services LLC can go out and check the subject and comparables in question in a field review. If you're in a hurry, we'll 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? Stepken Realty Services LLC can help you with that. Even though this is typically requested by banks, you may desire to exploit this service if you suspect mortgage fraud related to your home.