Real estate appraisal services for homeowners in the city of Cedartown and Polk County
The top 7 reasons GA homeowners use 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 customer seeking appraisal services. While our usual clients understand the appraisal process and standard reporting formats, you as a consumer will get extra 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 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. A professional appraisal is very important as a negotiating tool once you have a likely buyer, in addition to helping you set a realistic price to sell at so your property will attract many interested buyers. It gives you something concrete to show your buyer. It's an independent third party's opinion of your home's price, and not just you saying how much you think your home is worth. Interested buyers assume you have an emotional attachment to your house and will be far more likely to give credibility to an experienced appraiser's value estimation than yours.
Need to remove 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 the lender to have the PMI eliminated from your loan, which will make your monthly payments go down. We're seasoned in helping folks just like you dismiss unneeded PMI insurance.
Challenge Polk county's assessment of your property
Your local tax assessor may have your house overvalued if you live in an area that is going down or is not appreciating as much as other houses close to yours. This only means you're going to pay 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 off you'll be. When challenging your property tax assessment, getting an appraisal from Gregory James Company, Inc. is your strongest weapon.
Was your HELOC recently frozen?
If your home is in or near a declining area, your lender might just choose 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 unsuitable from a cash flow standpoint, but it can be bad for your credit score since it may appear as though that credit line is maxed out. Gregory James Company, Inc. can provide you with a professional appraisal to help you reinstate your home equity line of credit.
We Provide Field and Desktop Appraisal Review Services
Do you need a seasoned expert to double-check your appraisal for preciseness, or do you want 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'll go out and check the subject and comps in question. If you're in a hurry, 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.
Need a retrospective review of an appraisal? We can help with that too. Even though this is typically requested by banks, you may want to take advantage of this service if you suspect mortgage fraud related to your home.