Appraisal services for Dublin and Laurens County homeowners

Here are the top seven reasons why GA homeowners need Sears Realty Services:

To get a pre-listing appraisal (whether they're selling the home on their own or using an agent)
Challenge Laurens county's assessment of your propertyworth
To cut a monthly mortgage payment by removing PMI
To reinstate their Home Equity Line of Credit (or HELOC)
Verify another appraiser's report
If property needs to be divided because of a divorce
To determine the true market value of property in question to settle an estate in Laurens County or the state of GA

Need help deciding the price of your house in or near Dublin, GA?
Contact Sears Realty Services.

We at Sears Realty Services understand the particular needs of a homeowner in need of appraisal services. Our typical business clients get the appraisal process and the standard reporting formats. As our client, we'll be sure you get extra guidance and explanations through the appraisal process to more clearly understand what we do and how we present our conclusions.

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

It's very hard to be objective about your house because you probably have an emotional attachment to it. The professional appraisers at Sears Realty Services will tell you what you need to know -- not just what you want to hear. We are objective. A professional appraisal is a crucial negotiating tool once you have an attainable buyer, in addition to helping you set a realistic selling price so your home will attract buyers. It's something concrete to show your buyer. It's an independent third party's opinion of your property's value, and not just how much your home is worth. Potential buyers know that you have an emotional attachment to your home and will be far more likely to give credibility to a professional appraiser's value report than yours.

PMI Removal Appraisals

An attractive way to cut expenses 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 your lender to have the PMI eliminated from your loan. We are qualified in helping folks just like you do away with unwanted and unneeded PMI insurance.

Challenge Laurens county's assessment of your property

Lets say you live in a region that is going down -- your local tax assessor may have your home overvalued. That only means you are probably paying more taxes than you should. Since your property assessment may likely go up again in the next period, the quicker you take care of a matter like this, the better. An appraisal from Sears Realty Services is your #1 weapon when contesting your property tax assessment.

HELOC recently frozen?

Your lender might decide to automatically freeze your home equity line of credit (HELOC) if your house is in a declining area -- even if your specific property has not declined in value. This can be be destructive to your credit score since it may appear as though that credit line is maxed out, and also annoying from a cash flow angle. Sears Realty Services can provide you with an expert appraisal that will help you reinstate your home equity line of credit.

We Also Provide Field and Desktop Appraisal Review Services

Have you just been handed a copy of your appraisal and you'd prefer to have a professional double-check it for efficiency or do you desire a second opinion without the charge and delay of waiting for a whole new appraisal? In a field review we will go out and check the subject and comparables. Or, if you're in a rush, 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? Sears Realty Services can help you with that. Even though this is typically requested by banks, you may need to exercise this service if you suspect mortgage fraud related to your property.