Attention homeowners in Lagrange and Troup County: Need an appraisal?
The top reasons Georgia homeowners hire APB Appraisals:
We at APB Appraisals understand the individual needs of a consumer looking for appraisal services. While our typical clients understand the appraisal process and standard reporting formats, you as a consumer will get extra 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)It's very hard to be objective about your own house because you most likely have an emotional attachment to it. A professional appraiser is objective and 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 a potential buyer, in addition to helping you set a realistic selling price so your property will attract many interested buyers. It's something concrete to show your buyer. It's an independent third party's opinion of your property's value, and not just how much your home is worth. Potential buyers assume that 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.
Challenging property tax assessmentsLet's say your home is not appreciating as much as other houses close to yours -- your local tax assessor may have your home overvalued. This means you are most likely paying higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the faster you take care of a matter like this, the better. An expert appraisal from APB Appraisals is your strongest weapon when challenging your property tax assessment.
Need to cancel PMI?A preferred way to cut expenses for homeowners is getting the PMI removed 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 your lender to have the PMI removed from your loan, which will make your monthly payments go down. At APB Appraisals, we're qualified in helping folks just like you remove unwanted and unneeded PMI insurance.
Recently got a freeze to your HELOC?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 property is near a declining area. This can be annoying from a cash flow viewpoint, and damaging to your credit score since it may appear as though that credit line is maxed out. APB Appraisals can provide you with a professional appraisal to help you reinstate your home equity line of credit.
Field and Desktop Appraisal Review ServicesHave you just been handed a copy of your appraisal and you would prefer to have a seasoned appraiser double-check it for efficiency or do you need a second opinion without the expense and delay of waiting for a whole new appraisal? In a field review we will go out and check the subject and comparables. Or, if you need it in a rush, we can 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 you with a retrospective review of any appraisal report you may have had in the past. Although most appraisal reviews are commissioned by lenders, homeowners that have reason to believe a prior appraisal wasn't above board are prudent to get a second opinion.