Need an appraisal in Athens or Clarke County?

Here are the top seven reasons why GA homeowners need Howe and Associates Appr. Services:

To get a pre-listing appraisal (whether you're using an agent or selling the home on your own)
Challenge property tax assessments
To reduce a mortgage payments by removing PMI
To reinstate their Home Equity Line of Credit (HELOC)
Verify a different appraiser's report
If property needs to be divided because of a divorce
To determine the true market value of real estate in question to settle an estate in Clarke County or the state of GA

Need help deciding the price of your home in or near Athens, GA?
Contact Howe and Associates Appr. Services.

At Howe and Associates Appr. Services, we understand the unique needs of a consumer seeking appraisal services. While our typical clients understand the appraisal process and standard reporting formats, you as a consumer will get extra 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

It's very hard to be objective about your own home because of your emotional attachment to it. Professional appraisers, like the ones at Howe and Associates Appr. Services, will be objective. We will tell you what you need to know, not just what you want to hear. In addition to helping you set a realistic price to sell at so your home will attract many interested buyers, a professional appraisal is very crucial as a negotiating tool once you have a likely buyer. It's something concrete to show your buyer. An appraisal is an independent third party's opinion of your house's value -- not just you saying how much your home is worth. Potential buyers know you have an emotional attachment to your home and will be more likely to give credibility to a seasoned appraiser's value opinion than yours.

PMI Removal Appraisals

PMI stands for Private Mortgage Insurance. A popular way to cut costs for homeowners is to get the PMI removed from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan amount is below 80% of the value of your property, 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. We're veterans in helping folks just like you get rid of unneeded and unwanted PMI insurance.

Challenging property tax assessments

If you live in a local area that is declining or is not appreciating as much as other properties nearby, your local tax assessor may have your house overvalued. This means you are probably paying higher taxes than you should be paying. The faster you take care of a matter like this, the better off you'll be, since your property assessment may likely go up again in the next period. Getting an appraisal report from Howe and Associates Appr. Services is your #1 weapon when contesting your property tax assessment.

Was your HELOC recently frozen?

Your lender may just make the decision to automatically freeze your home equity line of credit (HELOC) if your home is in or near a declining area -- even if your specific property has not declined in value. This can this be inopportune from a cash flow angle, and harmful to your credit score since it may appear as though that credit line is maxed out. Howe and Associates Appr. Services can help you reinstate your home equity line of credit with efficient appraisal.

We Offer Field and Desktop Appraisal Review Services

Do you need an expert to double-check your appraisal for verity, or do you desire a second opinion without the charge and delay of waiting for a whole new appraisal? We can go out and check the subject and comps in a field review. If you need it in a rush, we'll 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 report? Howe and Associates Appr. Services can help you with that. Even though this is usually requested by banks, you may need to utilize this service if you suspect mortgage fraud related to your property.