Appraisal services for Cedartown and Polk County homeowners
Here are the top seven reasons GA homeowners hire Gregory James Company, Inc.:
Need help deciding the price of your house in or near Cedartown, GA?
We at Gregory James Company, Inc. understand the special needs of a homeowner after appraisal services. Our regular business clients understand the appraisal process and the usual documents we provide. Being a person not in the real estate business that ordinarily doesn't see an appraisal every day,we will give you extra guidance and explanations through the appraisal process to more fully understand what we do and how we report the results of our analysis.
Pre-listing Services/For Sale By Owner (FSBO)
Since you have an emotional attachment to your house, it's often very hard to be objective about it. Our professional appraisers at Gregory James Company, Inc. are objective. We won't just tell you what you want to hear, we will tell you what you need to know. A professional appraisal is very important as a negotiating tool once you have an interested buyer, in addition to helping you set a realistic price to sell at so your home will attract buyers. It's something tangible to show your buyer. An appraisal is an independent third party's opinion of your property's price -- not just how much your home is worth. Potential buyers know you have an emotional attachment to your home and will be much more likely to give credibility to an expert appraiser's value assessment than yours.
PMI Removal Appraisals
Getting the PMI (Private Mortgage Insurance) eliminated from your mortgage loan is a fashionable money saver for homeowners. 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, which will make your monthly payments go down. We're seasoned in helping customers just like you do away with unnecessary PMI insurance.
Challenge property tax assessments
Lets say you live in an area that is going down -- your local tax assessor may have your house overvalued. That means you are going to pay more taxes than you should. Since your property assessment may likely go up again in the next period, the faster you take care of things like this, the better. When contesting your property tax assessment, getting an appraisal report from Gregory James Company, Inc. is your chief weapon.
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 annoying from a cash flow viewpoint, but it can be harmful to your credit score since it may appear as though that credit line is maxed out. An appraisal from Gregory James Company, Inc. can help you reinstate your HELOC.
We Offer Field and Desktop Appraisal Review Services
Would you prefer a second opinion without the cost and delay of waiting for a whole new appraisal? Or do you want a veteran appraiser to double-check your appraisal for precision? Gregory James Company, Inc. offers field reviews where we go out and check the subject and comparables in question. If you need it ASAP, 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.
We can also provide a retrospective review of any appraisal you may have had in the past. Even though this is usually requested by banks, you may need to employ this service if you suspect mortgage fraud related to your property.