Need an appraisal in Lindale or Floyd County?

Check out the top reasons GA homeowners use Holmes Appraisal Service:

To get a pre-listing appraisal (whether they're selling the home themselves or using an agent)
Challenge a property tax assessment
To reduce their mortgage payment by removing PMI
Reinstate their Home Equity Line of Credit (HELOC)
To review a different appraiser's report for verification
In the case of a GA divorce, when real estate needs to be divided
To determine the true market value of real estate in question to settle an estate in Floyd County or the state of GA

Do you own a house in or near Lindale? Do you need help determining the value of your real estate?
Contact Holmes Appraisal Service.

At Holmes Appraisal Service, we understand the unique needs of a homeowner after appraisal services. While our typical business clients understand the appraisal process and standard reporting formats, you as a consumer will get an extra level of customer 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

It's very hard to be objective about your own home because of your emotional attachment to it. Our professional appraisers at Holmes Appraisal Service are objective. We won't just tell you what you want to hear, we will tell you what you need to know. A professional appraisal is very crucial as a negotiating tool once you have a likely buyer, in addition to helping you set a realistic price to sell at so your house will attract many interested buyers. The appraisal is something concrete to show your buyer. It's an independent third party's opinion of your home's value, and not just you saying how much your home is worth. Interested buyers assume you have an emotional attachment to your house and will be far more likely to give credibility to a professional appraiser's value opinion than yours.

PMI Removal Appraisals

Getting the PMI (Private Mortgage Insurance) canceled from your mortgage loan is a preferred money saver for homeowners. Once your mortgage loan is down below 80% of the value of your home, in most cases you can apply to a lender to have the PMI eliminated from your loan, which will make your monthly payments go down. Holmes Appraisal Service is seasoned in helping clients just like you remove unwanted and unneeded PMI insurance.

Challenge property tax assessments

Lets say your house is not appreciating as much as other homes close by -- your local tax assessor may have your house overvalued. That means you are most likely paying more taxes than you should. Since your property assessment may likely go up again in the next period, the earlier you take care of things like this, the better off you'll be. When challenging your property tax assessment, getting an appraisal report from Holmes Appraisal Service is your strongest weapon.

Was your HELOC recently frozen?

Your lender just might make the decision to automatically freeze your home equity line of credit (HELOC) if your house is in or near a declining area -- even if your specific property has not declined in value. Not only can this be troublesome from a cash flow viewpoint, but it can be unfavorable to your credit score since it may appear as though that credit line is maxed out. Holmes Appraisal Service can provide you with a professional appraisal that will help you reinstate your HELOC.

We Also Offer Field and Desktop Appraisal Review Services

Would you like a second opinion without the charge and delay of waiting for a whole new appraisal? Or do you want a seasoned appraiser to double-check your appraisal for precision? Holmes Appraisal Service offers field reviews where we'll go out and check the subject and comps. Or, if you need it in a rush, we can provide you with a 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? Holmes Appraisal Service can help you with that. While usually requested by banks, you may desire to exploit this service if you suspect mortgage fraud related to your property.