At Appraisal Associates of North Georgia, we understand the particular needs of a homeowner seeking appraisal services.
The appraisal process and reporting formats are familiar to our business clients like lenders, lawyers, and accountants. But as a general consumer, 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/Pre-Listing Services
Since you have an emotional attachment to your own house, it's often very hard to be objective about it.
Professional appraisers, like the ones at Appraisal Associates of North Georgia, are objective. We will tell you what you need to know, not just what you want to hear.
A professional appraisal is very valuable as a negotiating tool once you have an attainable buyer, in addition to helping you set a realistic price to sell at so your property will attract many interested buyers.
It gives you something concrete to show your buyer.
An appraisal is an independent third party's opinion of your property's value -- not just how much your house is worth.
Interested buyers know that you have an emotional attachment to your house and will be much more likely to give credibility to a professional appraiser's value judgement than yours.
Challenging property tax assessments
Your local tax assessor may have your house overvalued if you live in a region that's going down or not appreciating as much as other properties close by.
This only means you're paying higher taxes than you should be paying.
The faster 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 challenging your property tax assessment, getting an expert appraisal from Appraisal Associates of North Georgia is your perfect weapon.
Appraisals to remove PMI
PMI stands for Private Mortgage Insurance. An attractive way to save money for homeowners is to get 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 is less than 80% of the value of your house. In most cases you can apply to your lender to have the PMI removed from your loan.
We're experts in helping customers just like you do away with undesirable PMI insurance.
Was your HELOC recently frozen?
Your lender just might choose to automatically freeze your home equity line of credit (HELOC) if your house is in or near a declining area -- even if your specific property has not declined in value.
This can be negative on your credit score since it may appear as though that credit line is maxed out, and also troublesome from a cash flow viewpoint.
Appraisal Associates of North Georgia can provide you with a professional appraisal that will help you reinstate your HELOC.
We Also Provide Field and Desktop Appraisal Review Services
Have you just received a copy of your appraisal and you would wish to have a seasoned expert double-check it for preciseness or do you need a second opinion without the expense and delay of waiting for a whole new appraisal?
An appraiser from Appraisal Associates of North Georgia can go out and check the subject and comparables in question in a field review.
Or, if you need it in a rush, 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? Appraisal Associates of North Georgia can help you with that.
While typically requested by banks, you may need to employ this service if you suspect mortgage fraud related to your home.
