Need an appraisal in Gulfport or Harrison County?
The top seven reasons Mississippi homeowners call on Camille McDonald & Associates:
At Camille McDonald & Associates, we understand the unique needs of a consumer seeking appraisal services. Our typical business clients get the appraisal process and the usual reporting formats. As our client, we will provide you with extra guidance and explanations through the appraisal process to understand what we do and how we present our findings.
For Sale by Owner (FSBO)/Pre-Listing ServicesIt's very hard to be objective about your own home because you probably have an emotional attachment to it. Professional appraisers, like the ones at Camille McDonald & Associates, will be objective. We 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 many interested buyers, a professional appraisal is a very important negotiating tool once you have a likely buyer. It's something tangible to show your buyer. The appraisal is an independent third party's opinion of your property's value, not just how much your home is worth. Interested buyers know that you have an emotional attachment to your home and will be much more likely to give credibility to an experienced appraiser's value judgement than yours.
Challenge a property tax assessmentLet's say you live in an area that's declining -- your local tax assessor may have your home overvalued. That means you're most likely paying more taxes than you should. Since your property assessment may likely go up again in the next period, the sooner you take care of a matter like this, the better. When challenging your property tax assessment, getting an expert appraisal from Camille McDonald & Associates is your number one weapon.
Appraisals to cancel PMIAn attractive money saver 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". Your monthly payments will go down once your mortgage loan amount is down below 80% of the value of your home. In most cases you can apply to a lender to have the PMI removed from your loan. We're experts in helping people just like you rid yourselves of undesirable PMI insurance.
Was your HELOC recently frozen?Even if your specific property has not declined in value, your lender just may make the decision to automatically freeze your home equity line of credit (HELOC) if your house is near a declining area. This can be inopportune from a cash flow angle, and bad for your credit score since it may appear as though that credit line is maxed out. Camille McDonald & Associates can help you reinstate your HELOC.
We Offer Field and Desktop Appraisal Review ServicesHave you just been handed a copy of your appraisal and you would prefer to have a seasoned appraiser double-check it for preciseness or do you need a second opinion without the added expense and delay of waiting for a whole new appraisal? Camille McDonald & Associates offers field reviews where we go out and check the subject and comparables. If you need it ASAP, we'll provide you with a 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 retrospective review of any appraisal you may have had in the past. Even though most review work is commissioned by lenders for quality control, homeowners that have reason to believe a prior appraisal wasn't above board are prudent to invest in a second opinion.