Attention homeowners in Atlanta and Fulton County: Need an appraisal?
See the top seven reasons why Georgia homeowners hire Terry Higgins Appraisals:
At Terry Higgins Appraisals, we understand the special needs of a homeowner seeking appraisal services. While our typical business 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.
For-Sale-by-Owner (FSBO) / Pre-Listing ServicesIt's very hard to be objective about your home because you probably have an emotional attachment to it. The professional appraisers at Terry Higgins Appraisals will tell you what you need to know -- not just what you want to hear. We are objective. In addition to helping you set a realistic selling price so your home will attract many interested buyers, a professional appraisal is very important as a negotiating tool once you have an interested buyer. The appraisal is something concrete to show the buyer. It's an independent third party's opinion of your home's value, and not just you saying how much your house is worth. Interested 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.
Challenge property tax assessmentsIf you live in a region that is going down or not appreciating as much as other properties close by, your local tax assessor may have your house overvalued. This means you're probably paying higher taxes than you should be paying. The quicker you take care of things like this, the better, since your property assessment may likely go up again in the next period. Getting an expert appraisal from Terry Higgins Appraisals is your chief weapon when challenging your property tax assessment.
Need to remove PMI?PMI stands for Private Mortgage Insurance. A popular way to cut expenses for homeowners is getting the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan is less than 80% of the value of your home, 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. Terry Higgins Appraisals is experienced in helping people just like you dismiss unneeded PMI insurance.
Recently got a freeze to your HELOC?Your lender may 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 inopportune from a cash flow standpoint, but it can be detrimental 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 a professional appraisal.
We Provide Field and Desktop Appraisal Review ServicesWould you prefer a second opinion without the added cost and delay of waiting for a whole new appraisal? Or do you need a veteran appraiser to double-check your appraisal for precision? Terry Higgins Appraisals offers field reviews where we'll go out and check the subject and comparables. If you need it immediately, 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.
We can also provide you with a retrospective review of any appraisal report you may have in your possession. Although most review work is requested by lenders, homeowners suspecting a prior appraisal wasn't above board are wise to get a second opinion.