Real estate appraisal services for homeowners in the city of Randolph and Pontotoc County

Here are the top seven reasons MS homeowners need HEATH APPRAISAL SERVICES:

To get a pre-listing appraisal (whether you're using a real estate agent or selling the home on your own)
To challenge a MS property tax assessment
To reduce their mortgage payment by removing PMI
Reinstate your Home Equity Line of Credit (or HELOC)
To review another appraiser's report for verification
If property needs to be divided because of a divorce
To settle an estate in MS by determining the true market value of property in question

Own a home in or near Randolph, MS and need help determining the price of it?
Contact HEATH APPRAISAL SERVICES.

We at HEATH APPRAISAL SERVICES understand the individual needs of a customer after appraisal services. While our usual 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.

For-Sale-By-Owner (FSBO) / Pre-Listing Services

It's very hard to be objective about your own home because you most likely have an emotional attachment to it. Our professional appraisers at HEATH APPRAISAL SERVICES are objective. We won't just tell you what you want to hear, we'll tell you what you need to know. A professional appraisal is very important as a negotiating tool once you have an attainable buyer, in addition to helping you set a realistic selling price so your home will attract buyers. It gives you something tangible to show the buyer. It's an independent third party's opinion of your house's value, and not just you saying how much you think your house is worth. Potential buyers assume you have an emotional attachment to your home and will be more likely to give credibility to an expert appraiser's value report than yours.

Appraisals to cancel PMI

A preferred way to save money for homeowners is getting the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Once your mortgage loan amount is down below 80% of the value of your house, in most cases you can apply to a lender to have the PMI removed from your loan, which will make your monthly payments go down. At HEATH APPRAISAL SERVICES, we're experienced in helping people just like you rid yourselves of undesirable PMI insurance.

Challenging property tax assessments

Your local tax assessor may have your home overvalued if your home is not appreciating as much as other homes close to yours. This means you are paying higher taxes than you should be paying. The quicker you take care of a matter like this, the better off you'll be, since your property assessment may likely go up again in the next period. Getting a professional appraisal from HEATH APPRAISAL SERVICES is your chief weapon when challenging your property tax assessment.

HELOC recently frozen?

Your lender may just make the decision to automatically freeze your home equity line of credit (HELOC) if your home is in a declining area -- even if your specific property has not declined in value. Not only can this be difficult from a cash flow standpoint, but it can be damaging to your credit score since it may appear as though that credit line is maxed out. HEATH APPRAISAL SERVICES can help you reinstate your home equity line of credit with an expert appraisal.

Need Field and Desktop Appraisal Review Services?

Do you need a seasoned professional to double-check your appraisal for efficiency, or do you need a second opinion without the added cost and delay of waiting for a whole new appraisal? We can go out and check the subject and comps in question in a field review. 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.

Need a retrospective review of an appraisal? We can We can assist you While typically requested by banks, you may wish to exploit this service if you suspect mortgage fraud related to your house.