Real estate appraisal services for homeowners in the city of Concord and Pike County

Here are the top seven reasons GA homeowners need Sandra Kelley:

  1. To get a pre-listing appraisal (whether they're selling the home themselves or using a real estate agent)
  2. Challenge a property tax assessment
  3. Remove PMI to lower a mortgage payments
  4. Reinstate their Home Equity Line of Credit (or HELOC)
  5. To review a different appraiser's report for verification
  6. If property needs to be divided because of a divorce
  7. Determine the true market value of real estate in question to settle an estate

Do you own a home in or near Concord? Do you need help determining the price of your real estate?
Contact Sandra Kelley.

At Sandra Kelley, we understand the unique needs of a homeowner after appraisal services. While our usual business clients understand the appraisal process and standard reporting formats, you as a consumer will get an extra level of customer 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)

Since you have an emotional attachment to your own home, it's often very hard to be objective about it. A professional appraiser is objective and will 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 property will attract interested buyers, a professional appraisal is very crucial as a negotiating tool once you have a likely buyer. It's something tangible to show the buyer. An appraisal is an independent third party's opinion of your house's value -- not just how much you think your house is worth. Potential buyers know that you have an emotional attachment to your house and will be far more likely to give credibility to an experienced appraiser's value estimation than yours.

Appraisals to remove PMI

A preferred way to cut expenses for homeowners is getting the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Once your mortgage loan is down below 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 Sandra Kelley, we're qualified in helping clients just like you get rid of unnecessary PMI insurance.

Challenging property tax assessments

Lets say your house is not appreciating as much as other properties nearby -- your local tax assessor may have your house overvalued. That only means you're going to pay more taxes than you should. The faster you take care of things like this, the better off you'll be, since your property assessment may likely go up again in the next period. When contesting your property tax assessment, getting an appraisal from Sandra Kelley is your perfect weapon.

Recently got a freeze your HELOC?

If your home is in or near a declining area, your lender might just make the decision to automatically freeze your home equity line of credit (HELOC) - 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 negative on your credit score since it may appear as though that credit line is maxed out. A professional appraisal from Sandra Kelley can help you reinstate your HELOC.

Do You Need Field and Desktop Appraisal Review Services?

Have you just been handed a copy of your appraisal and you'd wish to have a veteran appraiser double-check it for efficiency or do you desire a second opinion without the charge and delay of waiting for a whole new appraisal? An appraiser from Sandra Kelley can go out and check the subject and comps in question in a field review. Or, if you need it in a rush, we can provide 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? Sandra Kelley can help you with that. While usually requested by banks, you may want to employ this service if you suspect mortgage fraud related to your house.