Attention homeowners in Suwanee and Forsyth County: Need an appraisal?

See the top seven reasons why GA homeowners need D.S. Murphy & Associates:

Pre-listing appraisals (whether you're using a real estate agent or selling the home on your own)
Challenge Forsyth county's assessment of your propertyvalue
Remove PMI to cut their mortgage payments
To reinstate their Home Equity Line of Credit (or HELOC)
Review another appraiser's report for verification
If real estate property needs to be divided because of a divorce
Determine the true market value of property in question to settle an estate

Own a house in or near Suwanee, GA and need help determining the price of it?
Contact D.S. Murphy & Associates.

At D.S. Murphy & Associates, we understand the special needs of a consumer looking for 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.

Pre-listing Services/For Sale By Owner

Since you have an emotional attachment to your own 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. In addition to helping you set a realistic price to sell at so your home will attract buyers, a professional appraisal is a very valuable negotiating tool once you have a likely buyer. It gives you something concrete 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 you have an emotional attachment to your home and will be more likely to give credibility to a seasoned appraiser's value judgement than yours.

PMI Removal Appraisals

PMI stands for Private Mortgage Insurance. An attractive money saver for homeowners is getting the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. Your monthly payments will go down once your mortgage loan amount is less than 80% of the value of your house. In most cases you can apply to your lender to have the PMI eliminated from your loan. We are qualified in helping clients just like you dismiss unwanted PMI insurance.

Challenge property tax assessments

Your local tax assessor may have your house overvalued if you live in an area that's going down or is not appreciating as much as other homes nearby. That means you are probably paying more taxes than you should. The quicker you take care of things like this, the better off you'll be, since your property assessment may likely go up again in the next period. When challenging your property tax assessment, getting an expert appraisal from D.S. Murphy & Associates is your best weapon.

Was your HELOC recently frozen?

Even if your specific property has not declined in value, your lender just may decide to automatically freeze your home equity line of credit (HELOC) if your home is in a declining area. This can this be difficult from a cash flow standpoint, and damaging to your credit score since it may appear as though that credit line is maxed out. D.S. Murphy & Associates can help you reinstate your HELOC.

Field and Desktop Appraisal Review Services

Would you wish a second opinion without the added cost and delay of waiting for a whole new appraisal? Or do you need a seasoned professional to double-check your appraisal for verity? In a field review we'll go out and check the subject and comps in question. Or, if you're in a hurry, we can 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 done before. Even though this is usually requested by banks, you may want to make use of this service if you suspect mortgage fraud related to your home.