Need an appraisal in Atlanta or Fulton County?
The top 7 reasons GA homeowners call on Terry Higgins Appraisals:
Need help determining the price of your home in or near Atlanta, GA?
At Terry Higgins Appraisals, we understand the unique needs of a consumer in need of appraisal services. Our regular business clients get the appraisal process and the customary reporting formats. Being a homeowner that ordinarily doesn't look at appraisals every day,we will provide you with extra guidance and explanations through the appraisal process to more fully understand what we do and how we report our conclusions.
For Sale By Owner (FSBO)/Pre-Listing Services
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 Terry Higgins Appraisals, will be objective. We'll tell you what you need to know, not just what you want to hear. In addition to helping you set a realistic selling price so your house will attract buyers, a professional appraisal is very valuable as a negotiating tool once you have an interested buyer. It gives you something concrete to show the buyer. An appraisal is an independent third party's opinion of your home's value -- not just you saying how much you think your home is worth. Interested buyers know you have an emotional attachment to your home and will be much more likely to give credibility to a seasoned appraiser's value conclusion than yours.
PMI Removal Appraisals
PMI stands for Private Mortgage Insurance. A popular way to cut costs for homeowners is getting the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. Your monthly payments will go down once your mortgage loan amount is less than 80% of the value of your home. In most cases you can apply to a lender to have the PMI removed from your loan. At Terry Higgins Appraisals, we're experts in helping consumers just like you remove unwanted and unneeded PMI insurance.
Challenging a property tax assessment
Your local tax assessor may have your house overvalued if you live in an area that's declining. That only means you're most likely paying more taxes than you should. Since your property assessment may likely go up again in the next period, the earlier you take care of things like this, the better. Getting a professional appraisal from Terry Higgins Appraisals is your chief weapon when contesting your property tax assessment.
HELOC recently frozen?
Your lender might just choose 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 troublesome from a cash flow angle, but it can be harmful to your credit score since it may appear as though that credit line is maxed out. Terry Higgins Appraisals can help you reinstate your home equity line of credit with efficient appraisal.
We Also Provide Field and Desktop Appraisal Review Services
Do you need a seasoned expert to double-check your appraisal for accuracy, 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 comps in question. Or, if you need it immediately, 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 with that too. While usually requested by banks, you may need to exercise this service if you suspect mortgage fraud related to your property.