Attention homeowners: Real estate appraisal services for in Olive Branch and Desoto County
The top seven reasons Mississippi homeowners hire City Realty, Inc:
We at City Realty, Inc understand the unique needs of a customer in need of appraisal services. Our typical business clients understand the appraisal process and the standard "products" we deliver to them. Being a consumer that probably doesn't look at appraisals on a regular basis, we will give you extra guidance and explanations through the appraisal process to better understand what we do and how we document the results of our analysis.
Pre-listing Services/For Sale by OwnerSince you have an emotional attachment to your own home, it's often very hard to be objective about it. Professional appraisers, like the ones at City Realty, Inc, are objective. We will tell you what you need to know, not just what you want to hear. A professional appraisal is a very important negotiating tool once you have a potential buyer, in addition to helping you set a realistic price to sell at so your house will attract many interested buyers. It gives you something concrete to show your 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. Potential buyers assume you have an emotional attachment to your house and will be more likely to give credibility to a qualified appraiser's value judgement than yours.
Challenge property tax assessmentsYour local tax assessor may have your house overvalued if you live in an area that is going down or not appreciating as much as other properties close to yours. This only means you are paying 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 things like this, the better off you'll be. Getting an appraisal report from City Realty, Inc is your chief weapon when challenging your property tax assessment.
Appraisals to remove PMIGetting the PMI (Private Mortgage Insurance) removed from your mortgage loan is a popular money saver for homeowners. Once your mortgage loan amount is less than 80% of the value of your house, in most cases you can apply to the lender to have the PMI removed from your loan, which will make your monthly payments go down. At City Realty, Inc, we're qualified in helping clients just like you do away with undesirable PMI insurance.
Recently got a freeze to your HELOC?Even if your specific property has not declined in value, your lender may choose to automatically freeze your home equity line of credit (HELOC) if your home is close to a declining area. This can be unfavorable to your credit score since it may appear as though that credit line is maxed out, and also inconvenient from a cash flow point of view. An appraisal from City Realty, Inc 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 desire a veteran appraiser to double-check your appraisal for preciseness? City Realty, Inc offers field reviews where we go out and check the subject and comparables. Or, if you need it immediately, 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 you with a retrospective review of any appraisal report you may have in your possession. While usually requested by banks, you may want to employ this service if you suspect mortgage fraud related to your home.