Appraisal services for Vidalia and Toombs County homeowners

Here are the top 7 reasons why GA homeowners order from Jack E. Gibson:

  1. Get a pre-listing appraisal (whether you're using an agent or selling the home on your own)
  2. To challenge a GA property tax assessment
  3. To cut your monthly mortgage payment by removing PMI
  4. Reinstate their Home Equity Line of Credit (HELOC)
  5. To review a different appraiser's report for verification
  6. If real estate needs to be divided because of a divorce
  7. To settle an estate in GA by determining the true market value of real estate in question

Own a house in or near Vidalia, GA and need help determining the price of it?
Contact Jack E. Gibson.

At Jack E. Gibson, we understand the special needs of a homeowner looking for appraisal services. The appraisal process and reporting formats are familiar to our business clients like banks, attorneys, and CPAs. Being a homeowner that ordinarily doesn't look at appraisals on a regular basis,we will give you extra guidance and explanations through the appraisal process to more fully understand what we do and how we present our conclusions.

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

It's very hard to be objective about your own house because you probably have an emotional attachment to it. Professional appraisers, like the ones at Jack E. Gibson, are objective. We will tell you what you need to know, not just what you want to hear. A professional appraisal is a very important negotiating tool once you have an attainable buyer, in addition to helping you set a realistic price to sell at so your home will attract interested buyers. The appraisal is something tangible to show the buyer. The appraisal is an independent third party's opinion of your home's value, not just you saying how much your home is worth. Interested buyers know you have an emotional attachment to your home and will be more likely to give credibility to a professional appraiser's value judgement than yours.

Appraisals to remove PMI

PMI stands for Private Mortgage Insurance. A preferred way to cut expenses for homeowners is to get the PMI removed from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan amount is below 80% of the value of your home, in most cases you can apply to your lender to have the PMI eliminated from your loan, which will make your monthly payments go down. At Jack E. Gibson, we're veterans in helping homeowners just like you delete unnecessary PMI insurance.

Challenge property tax assessments

Lets say your home is not appreciating as much as other properties close to yours -- your local tax assessor may have your house overvalued. That only means you are most likely paying more taxes than you should. The faster 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. An appraisal report from Jack E. Gibson is your best weapon when contesting your property tax assessment.

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 or near a declining area. Not only can this be disadvantageous from a cash flow point of view, but it can be damaging to your credit score since it may appear as though that credit line is maxed out. Jack E. Gibson can help you reinstate your HELOC.

We Offer Field and Desktop Appraisal Review Services

Would you wish a second opinion without the charge and delay of waiting for a whole new appraisal? Or do you need a seasoned professional to double-check your appraisal for precision? In a field review we'll go out and check the subject and comparables. If you need it 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.

We can also provide you with a a retrospective review of any appraisal report you may have had in the past. While typically requested by banks, you may wish to utilize this service if you suspect mortgage fraud related to your house.