Need an appraisal in Sumrall or Lamar County?

Here are the top reasons MS homeowners order from HS Appraisals:

  1. To get a pre-listing appraisal (whether they're selling the home themselves or using an agent)
  2. Challenge a property tax assessment
  3. To cut their mortgage payment by removing PMI
  4. To reinstate your Home Equity Line of Credit (HELOC)
  5. To review a different appraiser's report for verification
  6. In the case of a MS divorce, where property needs to be divided
  7. To determine the true market value of property in question to settle an estate in MS

Need help deciding the value of your home in or near Sumrall, MS?
Contact HS Appraisals.

We at HS Appraisals understand the individual needs of a consumer seeking appraisal services. Our business practices and reporting formats are relatively routine to our business clients like lenders, attorneys, and accountants. Being a regular consumer that ordinarily doesn't look at appraisals every day,we'll be sure you get extra guidance and explanations through the appraisal process to better understand what we do and how we present the results of our analysis.

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

It's very hard to be objective about your house because you most likely have an emotional attachment to it. Professional appraisers, like the ones at HS Appraisals, will be objective. We'll 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 an interested buyer. It gives you something concrete to show your buyer. It's an independent third party's opinion of your property's price, and not just how much your house is worth. Potential buyers know that you have an emotional attachment to your home and will be more likely to give credibility to a professional appraiser's value conclusion than yours.

Appraisals to cancel PMI

A popular money saver for homeowners is to get the PMI removed from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". 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. We are qualified in helping people just like you dismiss unneeded PMI insurance.

Challenge Tax Assessment

Lets say your house is not appreciating as much as other properties nearby -- your local tax assessor may have your home overvalued. This only means you're going to pay higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the earlier you take care of a matter like this, the better. An expert appraisal from HS Appraisals is your chief weapon when challenging your property tax assessment.

Recently got a freeze your HELOC?

If your home is in or near a declining area, your lender just might choose to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can this be inopportune from a cash flow viewpoint, and destructive to your credit score since it may appear as though that credit line is maxed out. HS Appraisals can help you reinstate your home equity line of credit with an expert appraisal.

Field and Desktop Appraisal Review Services

Have you just been given a copy of your appraisal and you'd like to have a seasoned professional double-check it for efficiency or do you want a second opinion without the cost and delay of waiting for a whole new appraisal? An appraiser from HS Appraisals can go out and check the subject and comps 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? HS Appraisals can help you with that. Even though this is usually requested by banks, you may wish to exercise this service if you suspect mortgage fraud related to your home.