Attention homeowners in Rocky Mount and Franklin County: Get an Appraisal today!

See the top seven reasons VA homeowners use Holly-Flora Appraisal Group:

Find the right listing price (whether they're selling the home themselves or using an agent)
Challenge property tax assessments
To lower a mortgage payment by removing PMI
To reinstate their Home Equity Line of Credit (or HELOC)
To review a different appraiser's report for verification
If property needs to be divided because of a divorce
Determine the true market value of real estate in question to settle an estate

Need help determining the price of your house in or near Rocky Mount, VA?
Contact Holly-Flora Appraisal Group.

We at Holly-Flora Appraisal Group understand the particular needs of a customer looking for appraisal services. Our typical business clients are used to the appraisal process and the customary "products" we deliver to them. But as a general consumer,you can expect extra guidance and explanations through the appraisal process to more fully 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 home because you probably have an emotional attachment to it. The professional appraisers at Holly-Flora Appraisal Group will tell you what you need to know -- not just what you want to hear. We are objective. A professional appraisal is very valuable as a negotiating tool once you have a likely buyer, in addition to helping you set a realistic price to sell at so your home will attract interested buyers. It's something concrete to show your buyer. It's an independent third party's opinion of your house's price, and not just you saying how much you think your house is worth. Interested buyers know you have an emotional attachment to your home and will be more likely to give credibility to an experienced appraiser's value conclusion than yours.

Appraisals to remove PMI

PMI stands for Private Mortgage Insurance. A preferred way to cut costs for homeowners is getting the PMI removed from their mortgage loan, thus saving them money on their monthly payments. Your monthly payments will go down once your mortgage loan amount is less than 80% of the value of your property. In most cases you can apply to a lender to have the PMI removed from your loan. We are seasoned in helping homeowners just like you rid themselves of unwanted PMI insurance.

Challenging property tax assessments

If you live in a local area that is declining or is not appreciating as much as other properties close by, your local tax assessor may have your house overvalued. That only means you're most likely paying more taxes than you should. Since your property assessment may likely go up again in the next period, the earlier you take care of a matter like this, the better off you'll be. Getting a professional appraisal from Holly-Flora Appraisal Group is your #1 weapon when challenging your property tax assessment.

Was your HELOC recently frozen?

Your lender might make the decision to automatically freeze your home equity line of credit (HELOC) if your house is near a declining area -- even if your specific property has not declined in value. This can be be bad for your credit score since it may appear as though that credit line is maxed out, and also disadvantageous from a cash flow angle. Holly-Flora Appraisal Group can help you reinstate your home equity line of credit with an expert appraisal.

Do You Need Field and Desktop Appraisal Review Services?

Do you need a professional to double-check your appraisal for accuracy, or do you desire a second opinion without the charge and delay of waiting for a whole new appraisal? An appraiser from Holly-Flora Appraisal Group can go out and check the subject and comparables in question in a field review. If you need it immediately, 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? Holly-Flora Appraisal Group can help with that too. While usually requested by banks, you may wish to employ this service if you suspect mortgage fraud related to your house.