Need an appraisal in Fayetteville or Fayette County?
See the top seven reasons why Georgia homeowners hire Dearing & Associates Appraisal Services:
At Dearing & Associates Appraisal Services, we understand the unique needs of a homeowner looking for 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)It's very hard to be objective about your own home because you most likely have an emotional attachment to it. Professional appraisers, like the ones at Dearing & Associates Appraisal Services, will be objective. We'll tell you what you need to know, not just what you want to hear. A professional appraisal is very crucial as a negotiating tool once you have an attainable buyer, in addition to helping you set a realistic selling price so your home will attract interested buyers. It gives you something tangible to show your buyer. An appraisal is an independent third party's opinion of your home's value -- not just how much you think your home is worth. Potential buyers know that you have an emotional attachment to your home and will be much more likely to give credibility to an accomplished appraiser's value conclusion than yours.
Challenge property tax assessmentsYour local tax assessor may have your home overvalued if you live in a local area that is declining or is not appreciating as much as other homes close to yours. This only means you are going to pay higher taxes than you should be paying. The earlier you take care of a matter like this, the better, since your property assessment may likely go up again in the next period. Getting a professional appraisal from Dearing & Associates Appraisal Services is your best weapon when contesting your property tax assessment.
Need to remove PMI?PMI stands for Private Mortgage Insurance. A popular money saver for homeowners is to get the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. Your monthly payments will go down once your mortgage loan amount is below 80% of the value of your house. In most cases you can apply to your lender to have the PMI canceled from your loan. We are seasoned in helping people just like you rid yourselves of unneeded PMI insurance.
HELOC recently frozen?Your lender may just decide to automatically freeze your home equity line of credit (HELOC) if your house is near a declining area -- even if your specific property has not declined in value. Not only can this be disadvantageous from a cash flow standpoint, but it can be harmful to your credit score since it may appear as though that credit line is maxed out. A professional appraisal from Dearing & Associates Appraisal Services can help you reinstate your HELOC.
Field and Desktop Appraisal Review ServicesWould you wish a second opinion without the charge and delay of waiting for a whole new appraisal? Or do you want a veteran appraiser to double-check your appraisal for preciseness? Dearing & Associates Appraisal Services offers field reviews where we'll 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 a retrospective review of any appraisal you may have had done before. While usually requested by banks, you may need to employ this service if you suspect mortgage fraud related to your house.