Reasons to order an appraisal from Gregory James Company, Inc.
Year after year, thousands of people in Georgia buy, sell or refinance their home. A lot of these transactions consist of a simple line item for an appraisal. And while there are a multiplying number of automated home valuation systems that may appear more prudent than an appraisal, the majority of lenders still call for a local expert because the stakes are very high. Is getting a mortgage the only reason to acquire an appraisal? Are there also situations when the services of a certified, independent real estate professional might be beneficial? You bet.
Dispute your tax assessment in Polk County
If you reside in an area where property values have declined, it's possible you're paying too much in property taxes. An appraisal from Gregory James Company, Inc. is your best evidence when building your case. We're capable of assisting you in disputing your tax assessment.
Remove PMI to lower your mortgage payment
Private Mortgage Insurance, or PMI, is an added insurance policy that nearly all lenders ask homeowners to buy when the amount being loaned to the buyer is more than 80% of the actual value of the real estate. More often than not, this added payment is bundled into the monthly mortgage payment and is soon forgotten. PMI is unnecessary when the remaining balance of the loan - whether through market appreciation or principal pay down - goes below the 80% mark, making this very unfortunate. In fact, the Homeowners Protection Act (HPA) of 1998 was invoked by the United States Congress that requires lenders to do away with the PMI installments when the loan-to-value ratio conditions have been met.
Gregory James Company, Inc. will provide you with a statement regarding the value of your home, and the expense of the home valuation can generally be regained in little time because you'll no longer be paying the PMI.
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Get a clear valuation on a home take make a divorce settlement less stressful
A divorce can be an especially traumatic ordeal for both parties, and it is often further complicated by the troublesome decision of who keeps the property. Regardless of the situation, it's a good idea to get an appraisal from Gregory James Company, Inc. so both parties are completely aware of the true market value of their house.
The parties will have a clearer picture of what price to set, if they need to sell the home. And on the flip side, if a "buyout" is the chosen option, both parties will feel like they've gotten a fair assessment.
Accurate and fair estate liquidation
The death of a loved one is a painful time in life, and settling an estate from a death, or probate, often requires an appraisal to establish Fair Market Value for the residential property involved. The ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP) binds us with confidentiality, guaranteeing the fullest degree of discretion.
Most Americans don't have dedicated estate planners or executors to manage these matters, unlike wealthy individuals. A home or other property often makes up an unequal share of the total estate value, so knowing the true worth of the real estate at hand is of significant importance to ensuring disputing parties walk away knowing they've gotten a fair deal.
Move to or from Polk County through an employee relocation program
We understand the headaches involved with an employee relocation. That's why we take great care in organizing a convenient appointment time for the appraisal inspection. We encourage relocating employees to provide input on the positive characteristics of their property, as well as information about any recent sales or listings in their area that they want considered during our thorough inspection.
Close on your home quickly — at an accurate price
A professional appraisal will help you make a better educated decision regarding your asking price, whether you choose to sell your home on your own or with the help of a real estate agent. An appraiser has no vested interest in what amount the house sells for, apart from real estate agents. Our fees rest on our efforts to complete the appraisal report and and aren't related to the sales price.
On a daily basis, we examine the difference in value items like an extra bathroom or a kitchen remodel can make. Seeking a professional appraisal is a reliable way to determine what improvements will add value and what a suitable sales price is for your home so you don't come up short or have your house on the market an unnecessarily long time, because we're experts in knowing how long properties are one the market.