Attention homeowners: Real estate appraisal services for in Bogart and Clarke County

The top seven reasons why GA homeowners use Smith Appraisal Services:

  1. To get a pre-listing appraisal (whether they're selling the home on their own or using an agent)
  2. To challenge a GA property tax assessment
  3. Remove PMI to lower a mortgage payments
  4. Reinstate your Home Equity Line of Credit (or HELOC)
  5. To review another appraiser's report for verification
  6. In the case of a GA divorce, where real estate property needs to be divided
  7. To determine the true market value of property in question to settle an estate in Clarke County or the state of GA

Own a house in or near Bogart, GA and need help determining the value of it?
Contact Smith Appraisal Services.

We at Smith Appraisal Services understand the special needs of a consumer 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.

Pre-listing Services/For Sale By Owner

It's very hard to be objective about your house because you most likely have an emotional attachment to it. Professional appraisers, like the ones at Smith Appraisal Services, will be objective. We'll tell you what you need to know, not just what you want to hear. A professional appraisal is a crucial negotiating tool once you have a likely buyer, in addition to helping you set a realistic selling price so your property will attract buyers. It gives you something tangible to show the buyer. An appraisal is an independent third party's opinion of your property's value -- not just you saying how much your house is worth. Potential buyers know you have an emotional attachment to your home and will be far more likely to give credibility to a qualified appraiser's value estimation than yours.

Appraisals to remove PMI

An attractive way to save money for homeowners is getting the PMI removed from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Your monthly payments will go down once your mortgage loan amount is less than 80% of the value of your home. In most cases you can apply to your lender to have the PMI eliminated from your loan. Smith Appraisal Services is experienced in helping people just like you dismiss unneeded PMI insurance.

Challenge Clarke county's assessment of your property

Your local tax assessor may have your house overvalued if your house is not appreciating as much as other homes nearby. This only means you are paying higher taxes than you should be paying. The earlier you take care of things like this, the better, since your property assessment may likely go up again in the next period. When contesting your property tax assessment, getting a professional appraisal from Smith Appraisal Services is your number one weapon.

HELOC recently frozen?

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 in a declining area. This can this be difficult from a cash flow angle, and detrimental to your credit score since it may appear as though that credit line is maxed out. Smith Appraisal Services can provide you with an expert appraisal that will help you reinstate your HELOC.

We Provide Field and Desktop Appraisal Review Services

Would you prefer a second opinion without the added cost and delay of waiting for a whole new appraisal? Or do you need a seasoned expert to double-check your appraisal for preciseness? An appraiser from Smith Appraisal Services can go out and check the subject and comparables in a field review. Or, if you need it ASAP, 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? Smith Appraisal Services can help you with that. While typically requested by banks, you may wish to make use of this service if you suspect mortgage fraud related to your property.