Attention homeowners in Cedartown and Polk County: Need an appraisal?
Here are the top 7 reasons GA homeowners need Gregory James Company, Inc.:
Do you own a house in or near Cedartown? Do you need help deciding the value of your real estate?
At Gregory James Company, Inc., we understand the individual needs of a customer after appraisal services. Our business practices and reporting formats are relatively routine to our business clients like lenders, lawyers, and accountants. But as a general consumer,you will receive extra guidance and explanations through the appraisal process to more fully understand what we do and how we report our findings.
Pre-listing Services/For Sale By Owner
Since you have an emotional attachment to your house, it's often very hard to be objective about it. Professional appraisers, like the ones at Gregory James Company, Inc., will be objective. We'll tell you what you need to know, not just what you want to hear. A professional appraisal is a very important negotiating tool once you have an interested buyer, in addition to helping you set a realistic selling price so your house will attract interested buyers. It gives you something tangible to show your buyer. It's an independent third party's opinion of your property's price, and not just you saying how much your house is worth. Potential buyers assume you have an emotional attachment to your home and will be much more likely to give credibility to an experienced appraiser's value estimation than yours.
Need to cancel PMI?
A preferred way to save money for homeowners is getting the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Once your mortgage loan amount is below 80% of the value of your property, in most cases you can apply to the lender to have the PMI eliminated from your loan, which will make your monthly payments go down. We're seasoned in helping homeowners just like you get rid of unwanted PMI insurance.
Challenging a property tax assessment
Lets say your home is not appreciating as much as other properties close to yours -- your local tax assessor may have your home overvalued. This means you're probably paying higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the quicker you take care of a matter like this, the better. 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 close to a declining area, your lender may decide to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. Not only can this be inconvenient from a cash flow viewpoint, but it can be unfavorable to your credit score since it may appear as though that credit line is maxed out. Gregory James Company, Inc. can provide you with an expert appraisal that will help you reinstate your HELOC.
We Also Provide Field and Desktop Appraisal Review Services
Have you just been given a copy of your appraisal and you'd wish to have a seasoned expert double-check it for preciseness or do you desire a second opinion without the cost and delay of waiting for a whole new appraisal? We can go out and check the subject and comps in a field review. Or, if you need it ASAP, we can provide desk review and verify as many facts as we can using online data sources as well as our own files.
Need a retrospective review of an appraisal? We can help you with that Even though this is usually requested by banks, you may wish to employ this service if you suspect mortgage fraud related to your home.