Reasons to get an appraisal

Year after year, thousands of people in Georgia purchase, sell or refinance their home. Most of these transactions have a simple line item for an appraisal. Even though there are a multiplying number of automated home valuation systems that might seem more economical than an appraisal, almost all lenders still want a local expert because the stakes are very high. You might think that obtaining a mortgage is the only reason you should get an appraisal, but there are other times when the services of a licensed, independent real estate professional might be beneficial.


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Appeal your tax assessment in Muscogee and Harris 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 home, so if values are less than what they used to be in your area, you can appeal your assessment and save money. An appraisal from Fullco Appraisal Services is your best evidence when building your case. At Fullco Appraisal Services,we can assist you in challenging your tax assessment.

How can you get rid of PMI to lower your mortgage payment?

When the amount being loaned to the home owner is more than 80% of the actual value of the home, nearly all lenders ask home owners to take out an extra insurance policy. That policy is Private Mortgage Insurance, or PMI. Seeing that extra payment is usually bundled into the monthly mortgage payment, it is often forgotten. This is unfavorable because PMI is unnecessary when the leftover balance of the loan - whether through market appreciation or principal pay down - dips below the 80% mark. In fact, the United States Congress invoked a law in 1998 (the Homeowners Protection Act of 1998) that requires lenders to dismiss the PMI installments when the loan-to-value ratio conditions have been met.

If you'd like to eliminate PMI, Fullco Appraisal Services can produce a statement regarding the value of your home. The expense of the home valuation can generally be offset in just a few months because you'll no longer be paying the PMI.

Settling a divorce with less stress with an appraisal from Fullco Appraisal Services

A divorce is often complicated by the burdensome decision of who gets the house, and it can be a particularly heartbreaking ordeal for both parties. So both parties are completely aware of the true market value of their home, it's a good idea to get an appraisal from Fullco Appraisal Services, regardless of the circumstances.

If the parties want to sell the home, they'll have a a good idea of what price to set. And if a "buyout" is the chosen option, both parties will feel like they've gotten a fair evaluation.

Fair and accurate estate liquidation with help from Fullco Appraisal ServicesSettling an estate

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

Most Americans do not have dedicated estate planners or executors to handle these affairs, unlike wealthy individuals. A home or other property often makes up an uneven share of the total estate value, so knowing the true value of the real estate at hand is of vital importance to ensuring disputing parties walk away knowing they've gotten an honest deal.

Relocating to or from Muscogee and Harris County

Employee relocation can be a more than just an inconvenienceWe know where you're coming from. That being said, we take great care in organizing an accommodating appointment time for the appraisal inspection. We encourage relocating employees to provide feedback on the positive characteristics of their property, along with information about any current sales or listings in their neighborhood that they want considered during our thorough process.

Let Fullco Appraisal Services help you sell your home quickly at the right price

Whether you choose to sell your home on your own or with the help of a real estate agent, a professional appraisal will help you make a better educated decision regarding your selling price. Unlike a real estate agent, an appraiser has no vested interest in what amount the house sells for. The price we charge isn't contingent upon the value we come up with, but rather they are based on our efforts to complete the appraisal.

On a daily basis, we examine the difference in value items like an additional bathroom or a kitchen remodel can make. And we're experts in knowing how long homes stay on the market. So, getting a professional appraisal is a trusted way to decide 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 an unnecessarily long time.