Attention homeowners in Atlanta and Dekalb County: Need an appraisal?

The top 7 reasons why Georgia homeowners hire Heffner & Associates LLC:

To get a pre-listing appraisal (whether they're selling the home on their own or using an agent)
Challenge property tax assessments
Remove PMI to reduce your monthly mortgage payment
To reinstate your Home Equity Line of Credit (HELOC)
Review a different appraiser's report for verification
In the case of a divorce in the state of Georgia, when property needs to be divided
To determine the true market value of a property to settle an estate in Dekalb County or the state of Georgia


	Need help deciding the price of your home in or near Atlanta, Georgia? Contact Heffner & Associates LLC.

We at Heffner & Associates LLC understand the individual needs of a customer looking for appraisal services. The appraisal process and reporting formats are familiar to our business clients like lenders, lawyers, and CPAs. But as a general consumer, we'll be sure you get extra guidance and explanations through the appraisal process to understand what we do and how we present the results of our analysis.

Pre-listing Services/For Sale by Owner

It's very hard to be objective about your home because of your emotional attachment to it. Professional appraisers, like the ones at Heffner & Associates LLC, 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 house will attract interested buyers, a professional appraisal is very important as a negotiating tool once you have an interested buyer. It gives you something tangible to show your buyer. It's an independent third party's opinion of your home's value, and not just you saying how much you think your house is worth. Interested buyers know you have an emotional attachment to your house and will be more likely to give credibility to a professional appraiser's value judgement than yours.

Challenging property tax assessments

Let's say you live in a region that's declining -- your local tax assessor may have your house overvalued. That means you're going to pay more taxes than you should. The faster you take care of things like this, the better, since your property assessment may likely go up again in the next period. When contesting your property tax assessment, getting an appraisal report from Heffner & Associates LLC is your best weapon.

Appraisals to cancel PMI

An attractive way to cut costs for homeowners is getting the PMI removed 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 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. Heffner & Associates LLC is experienced in helping folks just like you delete unneeded PMI insurance.

HELOC recently frozen?

If your house is in or near a declining area, your lender just may make the decision to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. Not only can this be inconvenient from a cash flow standpoint, but it can be detrimental to your credit score since it may appear as though that credit line is maxed out. Heffner & Associates LLC can help you reinstate your HELOC.

Field and Desktop Appraisal Review Services

Have you just accepted a copy of your appraisal and you'd prefer to have a seasoned appraiser double-check it for precision or do you want a second opinion without the cost and delay of waiting for a whole new appraisal? Heffner & Associates LLC offers field reviews where we'll go out and check the subject and comps. If you need it immediately, 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? We can help with that too. Even though most review work is requested by lenders, homeowners suspecting they've been the victim of mortgage fraud are prudent to get a second opinion.