Attention homeowners in Jefferson and Jackson County: Get an Appraisal today!

The top 7 reasons why Georgia homeowners order from Ring and Associates:

To get a pre-listing appraisal (whether they're selling the home themselves or using an agent)
Challenge a property tax assessment
To lower their mortgage payments by removing PMI
To reinstate your Home Equity Line of Credit (HELOC)
Review another 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 real estate to settle an estate


	Do you own a home in or near Jefferson? Do you need help deciding the price of your real estate? Contact Ring and Associates.

At Ring and Associates, we understand the unique needs of a homeowner after appraisal services. While our usual business clients understand the appraisal process and standard reporting formats, you as a consumer will get extra service in the form of an explanation of the process and even special consumer-friendly reporting forms if the assignment allows for them.

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

Since you have an emotional attachment to your house, it's often very hard to be objective about it. Professional appraisers, like the ones at Ring and Associates, will be objective. We will tell you what you need to know, not just what you want to hear. A professional appraisal is a crucial negotiating tool once you have a potential buyer, in addition to helping you set a realistic price to sell at so your home will attract buyers. It's something tangible to show the buyer. An appraisal is an independent third party's opinion of your property's value -- not just you saying how much your house 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 accomplished appraiser's value estimation than yours.

Challenge Tax Assessment

Your local tax assessor may have your home overvalued if your house not appreciating as much as other homes close to yours. This only means you are going to pay higher taxes than you should be paying. 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. Getting an expert appraisal from Ring and Associates is your chief weapon when challenging your property tax assessment.

Need to remove PMI?

PMI stands for Private Mortgage Insurance. A popular way to cut expenses for homeowners is to get the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. 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 canceled from your loan. We are veterans in helping clients just like you abolish undesirable PMI insurance.

HELOC recently frozen?

Even if your specific property has not declined in value, your lender just may choose to automatically freeze your home equity line of credit (HELOC) if your home is in a declining area. Not only can this be difficult and inconvenient from a cash flow viewpoint, but it can be destructive to your credit score since it may appear as though that credit line is maxed out. Ring and Associates can help you reinstate your HELOC.

Field and Desktop Appraisal Review Services

Do you need a seasoned professional to double-check your appraisal for accuracy, or do you need a second opinion without the cost and delay of waiting for a whole new appraisal? In a field review we'll go out and check the subject and comps in question. Or, if you need it immediately, we can provide you with a 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? We can help with that too. Although most review work is requested by lenders, homeowners that have reason to believe they've been the victim of mortgage fraud are wise to get a second opinion.