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Attention homeowners in Hattiesburg and Lamar County: Need an appraisal?
Here are the top seven reasons why Mississippi homeowners order from Nace Appraisal Service:
- Find the right listing price (whether you're using a real estate agent or selling the home on your own)
- Challenge a property tax assessment
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Remove PMI to cut your monthly mortgage payment
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Reinstate their Home Equity Line of Credit (or HELOC)
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To review a different appraiser's report for verification
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In the case of a divorce in the state of Mississippi, where real estate property needs to be divided
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Determine the true market value of the real estate in question to settle an estate
We at Nace Appraisal Service understand the special needs of a customer looking for appraisal services.
While our usual 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.
For-Sale-by-Owner (FSBO) / Pre-Listing Services
Since you have an emotional attachment to your home, it's often very hard to be objective about it.
Our professional appraisers at Nace Appraisal Service are objective. We won't just tell you what you want to hear, we'll tell you what you need to know.
In addition to helping you set a realistic selling price so your property will attract many interested buyers, a professional appraisal is a very valuable negotiating tool once you have an interested buyer.
It gives you something tangible to show your buyer.
The appraisal is an independent third party's opinion of your home's market value, not just how much you think your house is worth.
Interested buyers assume that you have an emotional attachment to your home and will be more likely to give credibility to a qualified appraiser's value judgement than yours.
Challenging a property tax assessment
Let's say your home is not appreciating as much as other homes nearby -- your local tax assessor may have your home overvalued.
That only means you're most likely paying more taxes than you should.
Since your property assessment may likely go up again in the next period, the sooner you take care of a matter like this, the better.
When contesting your property tax assessment, getting an appraisal from Nace Appraisal Service is your chief weapon.
Need to remove PMI?
PMI stands for Private Mortgage Insurance. A fashionable way to cut expenses for homeowners is getting the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments.
Once your mortgage loan is down below 80% of the value of your home, in most cases you can apply to the lender to have the PMI eliminated from your loan, which will make your monthly payments go down.
At Nace Appraisal Service, we're qualified in helping consumers just like you remove unwanted and unneeded PMI insurance.
HELOC recently frozen?
Even if your specific property has not declined in value, your lender just might decide to automatically freeze your home equity line of credit (HELOC) if your house is in or near a declining area.
Not only can this be difficult and inconvenient from a cash flow standpoint, but it can be unfavorable to your credit score since it may appear as though that credit line is maxed out.
Nace Appraisal Service can help you reinstate your HELOC.
We Offer Field and Desktop Appraisal Review Services
Do you need a professional to double-check your appraisal for accuracy, or do you want a second opinion without the expense and delay of waiting for a whole new appraisal?
Nace Appraisal Service offers field reviews where we go out and check the subject and comparables in question.
If you're 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? We can help with that too.
While typically requested by banks, you may need to use this service if you suspect mortgage fraud related to your home.
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