Why you should get an appraisal from Vickie Harris Gale Appraisal Company

Year after year, thousands of people in Georgia buy, sell or refinance their home. A lot of these transactions have a simple line item for an appraisal. Nearly all lenders still want a local expert because the stakes are incredibly high, even though there are a multiplying number of automated home valuation methods that might appear to be more practical than an appraisal. But is securing a mortgage the only reason to get an appraisal? Are there additional cases when the services of a certified, independent real estate professional could come in handy? You bet there are.


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Let Vickie Harris Gale Appraisal Company help you appeal your tax assessment in Chatham County

It's probable you're paying too much in property taxes if you reside in an area where property values have depreciated. Ad Valorem taxes are based upon a past assessment of your real estate, so if prices have gone down in your neighborhood, you can appeal your assessment and save money. When building your case, an appraisal from Vickie Harris Gale Appraisal Company is your best evidence. We're equipped to assist you in appealing your tax assessment.

Getting rid of your PMI will lower your mortgage payment

When the amount being loaned to the home owner is more than 80% of the actual value of the real estate, almost all lenders ask home owners to buy an extra insurance policy. That policy is Private Mortgage Insurance, or PMI. This additional payment is often bundled into the monthly mortgage payment and is promptly forgotten. PMI is unnecessary when the leftover balance of the loan - whether through market appreciation or principal pay down - dips below the 80% level, making this very unfavorable. In fact, the Homeowners Protection Act (HPA) of 1998 was approved by the United States Congress requiring lenders to remove the PMI installments when the balance is paid down to 78% of the original value.

Vickie Harris Gale Appraisal Company will produce a statement regarding the value of your home, and the cost of the home valuation can usually be offset in little time because you'll no longer be paying the PMI.

An appraisal from Vickie Harris Gale Appraisal Company will help you settle a divorce with less stress

A divorce is a very daunting experience for the parties involved, and it is often further complicated by the troublesome decision of who maintains the house. So both parties are entirely aware of the true market value of their property, it's a good idea to get an appraisal from Vickie Harris Gale Appraisal Company, regardless of the situation.

If the parties wish to sell the home, they'll have a better idea of what price to set. And on the flip side, if a "buyout" is the chosen option, both parties will feel like they've gotten a fair assessment.

Settling an estate with peace of mind

The death of a loved one is a painful time in life, and settling an estate from a death, or probate, often calls for an appraisal to establish Market Value for the real estate involved. We guarantee the fullest degree of discretion, as we're bound with confidentiality by the ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP).

Most Americans don't have dedicated estate planners or executors to manage these matters, unlike wealthier individuals. And seeing that a home or other property often makes up a disproportionate share of the total estate value, knowing the precise value of the real estate at hand is of vital importance to ensuring disputing parties leave knowing they've gotten an honest deal.

Let Vickie Harris Gale Appraisal Company assist you in relocating to or from Chatham County

Employee relocation can be a real pain, and we understand. That being said, we take great care in setting up an accommodating appointment time for the appraisal inspection. During our thorough process, we suggest employees that are moving to provide feedback on the positive aspects of their property, as well as information about any recent sales or listings in their neighborhood that they want considered.

Let Vickie Harris Gale Appraisal Company assist you in selling your home quickly at the right price

A professional appraisal can help you make a more informed decision regarding your selling price, whether you want to sell your home on your own or with the help of a real estate agent. An appraiser has no vested interest in what price the house sells for, unlike real estate agents. The price we charge isn't related to the sales price, but rather they rest on our efforts to complete the appraisal.

On a daily basis, we examine the difference in value things like an additional bathroom or a kitchen remodel can make. And we're experts in knowing how long houses stay on the market. So, obtaining a professional appraisal is a trusted way to determine what improvements will add value and what an applicable sales price is for your home so you don't come up short or have your house on the market too long, costing you time and money.