Real estate appraisal services for homeowners in the city of Cedartown and Polk County
Check out the top seven reasons why GA homeowners need Gregory James Company, Inc.:
Own a house in or near Cedartown, GA and need help deciding the value of it?
We at Gregory James Company, Inc. understand the special needs of a homeowner after appraisal services. While our typical 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.
Pre-listing Services/For Sale By Owner (FSBO)
Since you have an emotional attachment to your own house, it's often very hard to be objective about it. The professional appraisers at Gregory James Company, Inc. 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 price to sell at so your house will attract buyers, a professional appraisal is a very important negotiating tool once you have an interested buyer. It gives you something tangible to show your buyer. The appraisal is an independent third party's opinion of your house's price, not just you saying how much your house is worth. Potential buyers know that you have an emotional attachment to your home and will be far more likely to give credibility to an expert appraiser's value report than yours.
Appraisals to remove PMI
PMI stands for Private Mortgage Insurance. A popular way to cut costs for homeowners is to get 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 is less than 80% of the value of your home. In most cases you can apply to your lender to have the PMI canceled from your loan. We're veterans in helping consumers just like you do away with undesirable PMI insurance.
Challenge Tax Assessment
Your local tax assessor may have your house overvalued if you live in a local area that's declining. This only means you are going to pay higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the sooner you take care of things like this, the better off you'll be. Getting an appraisal report from Gregory James Company, Inc. is your strongest weapon when contesting your property tax assessment.
HELOC recently frozen?
If your property is in or near a declining area, your lender may just choose to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can be be unfavorable to your credit score since it may appear as though that credit line is maxed out, and also disadvantageous from a cash flow angle. Gregory James Company, Inc. can help you reinstate your HELOC.
Field and Desktop Appraisal Review Services
Have you just gotten a copy of your appraisal and you would wish to have a veteran appraiser double-check it for verity or do you need a second opinion without the added expense and delay of waiting for a whole new appraisal? Gregory James Company, Inc. offers field reviews where we go out and check the subject and comps. Or, if you need it immediately, we can 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 a retrospective review of any appraisal report you may have had done before. While usually requested by banks, you may wish to exploit this service if you suspect mortgage fraud related to your home.