Attention homeowners in Americus and Sumter County: Need an appraisal?

The top 7 reasons GA homeowners call on Southwest Georgia Farm Credit:

Pre-listing appraisals (whether they're selling the home themselves or using an agent)
Challenge Sumter county's assessment of your propertyworth
To reduce your mortgage payments by removing PMI
To reinstate your Home Equity Line of Credit (or HELOC)
Review another appraiser's report for verification
In the case of a GA divorce, when real estate needs to be divided
To settle an estate in GA by determining the true market value of real estate in question

Do you own a house in or near Americus? Do you need help determining the price of your real estate?
Contact Southwest Georgia Farm Credit.

We at Southwest Georgia Farm Credit understand the individual needs of a consumer in need of appraisal services. While our typical business 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

Since you have an emotional attachment to your 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. A professional appraisal is a very valuable 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 buyers. It gives you something tangible to show the buyer. The appraisal is an independent third party's opinion of your property's price, not just you saying how much your home is worth. Potential buyers know that you have an emotional attachment to your home and will be much more likely to give credibility to an experienced appraiser's value assessment than yours.

Appraisals to remove PMI

Getting the PMI (Private Mortgage Insurance) canceled from your mortgage loan is a preferred way to cut expenses for homeowners. Your monthly payments will go down once your mortgage loan amount is down below 80% of the value of your home. In most cases you can apply to your lender to have the PMI canceled from your loan. At Southwest Georgia Farm Credit, we're seasoned in helping folks just like you dismiss unwanted and unneeded PMI insurance.

Challenging Sumter county's assessment of your property

Lets say you live in a region that is going down -- your local tax assessor may have your house overvalued. That only means you're going to pay more taxes than you should. Since your property assessment may likely go up again in the next period, the sooner you take care of things like this, the better. When challenging your property tax assessment, getting an appraisal from Southwest Georgia Farm Credit is your number one weapon.

Recently got a freeze your HELOC?

If your home is in or near a declining area, your lender may just choose to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can be be negative on your credit score since it may appear as though that credit line is maxed out, and also disadvantageous from a cash flow standpoint. An appraisal from Southwest Georgia Farm Credit can help you reinstate your HELOC.

Do You Need Field and Desktop Appraisal Review Services?

Would you wish a second opinion without the added expense and delay of waiting for a whole new appraisal? Or do you desire a seasoned appraiser to double-check your appraisal for preciseness? We can go out and check the subject and comparables in question in a field review. If you need it ASAP, we'll provide 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 a retrospective review of any appraisal report you may have had in the past. Even though this is usually requested by banks, you may desire to exploit this service if you suspect mortgage fraud related to your property.