Need an appraisal in Clarkesville or Habersham County?

Here are the top 7 reasons why GA homeowners use Georgia Appraisals:

Pre-listing appraisals (whether they're selling the home themselves or using a real estate agent)
Challenge a property tax assessment
To cut their mortgage payments by removing PMI
Reinstate your Home Equity Line of Credit (or HELOC)
Review a different appraiser's report for verification
In the case of a GA divorce, where real estate needs to be divided
To settle an estate in Habersham county or GA by determining the true market value of real estate in question

Do you own a home in or near Clarkesville? Do you need help determining the value of your real estate?
Contact Georgia Appraisals.

At Georgia Appraisals, we understand the special needs of a customer seeking appraisal services. Our customary business clients are used to the appraisal process and the customary reporting formats. As our valued client, we will provide you with extra guidance and explanations through the appraisal process to more fully understand what we do and how we report the results of our analysis.

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. Our professional appraisers at Georgia Appraisals are objective. We won't just tell you what you want to hear, we will tell you what you need to know. 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 house will attract buyers. The appraisal is something tangible to show the buyer. It's an independent third party's opinion of your home's price, and not just how much you think your home is worth. Potential buyers assume that you have an emotional attachment to your home and will be more likely to give credibility to an experienced appraiser's value assessment than yours.

PMI Removal Appraisals

PMI stands for Private Mortgage Insurance. An attractive money saver for homeowners is to get the PMI removed from their mortgage loan, thus saving them money on their monthly payments. Your monthly payments will go down once your mortgage loan amount is down below 80% of the value of your home. In most cases you can apply to the lender to have the PMI removed from your loan. We are experienced in helping folks just like you remove unwanted PMI insurance.

Challenging property tax assessments

Lets say you live in an area that's declining -- your local tax assessor may have your house overvalued. That means you're paying more taxes than you should. Since your property assessment may likely go up again in the next period, the sooner you take care of a matter like this, the better off you'll be. When challenging your property tax assessment, getting an appraisal report from Georgia Appraisals is your best weapon.

Was your HELOC recently frozen?

Your lender just may 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 difficult from a cash flow viewpoint, but it can be unfavorable to your credit score since it may appear as though that credit line is maxed out. Georgia Appraisals can help you reinstate your HELOC.

Need Field and Desktop Appraisal Review Services?

Have you just been handed a copy of your appraisal and you'd like to have a professional double-check it for verity or do you want 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're in a hurry, 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.

Do you need a retrospective review of an appraisal? Georgia Appraisals can We can assist you. Even though this is usually requested by banks, you may desire to employ this service if you suspect mortgage fraud related to your house.