Need an appraisal in Picayune or Pearl River County?

The top reasons MS homeowners call on Smart Appraisals:

Find the right listing price (whether you're using an agent or selling the home on your own)
To challenge a MS property tax assessment
To cut your monthly mortgage payment by removing PMI
To reinstate their Home Equity Line of Credit (or HELOC)
To review a different appraiser's report for verification
If real estate property needs to be divided because of a divorce
To settle an estate in Pearl River county or MS by determining the true market value of property in question

Own a home in or near Picayune, MS and need help determining the value of it?
Contact Smart Appraisals.

We at Smart Appraisals understand the particular needs of a customer in need of appraisal services. While our usual 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 (FSBO)

It's very hard to be objective about your own home because you most likely have an emotional attachment to it. A professional appraiser is objective and 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 a potential buyer, in addition to helping you set a realistic selling price so your property will attract interested buyers. It's something tangible to show your buyer. It's an independent third party's opinion of your house's price, and not just how much your home is worth. Interested buyers assume that you have an emotional attachment to your home and will be much more likely to give credibility to an experienced appraiser's value report than yours.

Appraisals to cancel PMI

Getting the PMI (Private Mortgage Insurance) canceled from your mortgage loan is a preferred way to cut costs for homeowners. Once your mortgage loan is less than 80% of the value of your property, 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. We're experts in helping clients just like you rid yourselves of unneeded and unwanted PMI insurance.

Challenging a property tax assessment

Your local tax assessor may have your home overvalued if you live in an area that is declining. That only means you're paying more taxes than you should. The quicker you take care of things like this, the better, since your property assessment may likely go up again in the next period. A professional appraisal from Smart Appraisals is your perfect weapon when challenging your property tax assessment.

HELOC recently frozen?

Your lender might make the decision to automatically freeze your home equity line of credit (HELOC) if your house is near a declining area -- even if your specific property has not declined in value. This can be be negative on your credit score since it may appear as though that credit line is maxed out, and also difficult and inconvenient from a cash flow standpoint. Smart Appraisals can provide you with a professional appraisal that will help you reinstate your HELOC.

Do You Need Field and Desktop Appraisal Review Services?

Have you just received a copy of your appraisal and you would prefer to have a seasoned appraiser double-check it for verity or do you want a second opinion without the charge and delay of waiting for a whole new appraisal? We can go out and check the subject and comparables in question in a field review. If you're in a hurry, we'll provide 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 report? Smart Appraisals can We can assist you. Even though this is typically requested by banks, you may wish to use this service if you suspect mortgage fraud related to your home.