Attention homeowners in Sebastopol and Scott County: Need an appraisal?

Here are the top 7 reasons MS homeowners order from Melissa Phillips:

  1. Get a pre-listing appraisal (whether you're using a real estate agent or selling the home on your own)
  2. Challenge a property tax assessment
  3. Remove PMI to lower a mortgage payments
  4. To reinstate their Home Equity Line of Credit (or HELOC)
  5. Review a different appraiser's report for verification
  6. In the case of a MS divorce, when real estate needs to be divided
  7. To determine the true market value of real estate in question to settle an estate in Scott County or the state of MS

Need help determining the price of your house in or near Sebastopol, MS?
Contact Melissa Phillips.

At Melissa Phillips, we understand the special needs of a customer in need of appraisal services. Our customary business clients are used to the appraisal process and the usual "products" we deliver to them. But as a general consumer,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 the results of our analysis.

For Sale By Owner/Pre-Listing Services

It's very hard to be objective about your own house because of your emotional attachment to it. Professional appraisers, like the ones at Melissa Phillips, are 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 an interested buyer, in addition to helping you set a realistic price to sell at so your property will attract interested buyers. It gives you something concrete to show the 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. Potential buyers assume that you have an emotional attachment to your house and will be more likely to give credibility to an accomplished appraiser's value assessment than yours.

Need to remove PMI?

A popular way to cut costs for homeowners is getting the PMI canceled 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 house. In most cases you can apply to a lender to have the PMI eliminated from your loan. We're seasoned in helping clients just like you do away with unnecessary PMI insurance.

Challenge Tax Assessment

If you live in an area that is declining or not appreciating as much as other houses nearby, your local tax assessor may have your house overvalued. That only means you are probably paying more taxes than you should. The sooner 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 Melissa Phillips is your perfect weapon when contesting your property tax assessment.

HELOC recently frozen?

If your home is in a declining area, your lender just might decide to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can be be unfavorable to your credit score since it may appear as though that credit line is maxed out, and also disadvantageous from a cash flow angle. A professional appraisal from Melissa Phillips can help you reinstate your HELOC.

Need Field and Desktop Appraisal Review Services?

Do you need a professional to double-check your appraisal for efficiency, or do you need a second opinion without the charge and delay of waiting for a whole new appraisal? Melissa Phillips offers field reviews where we go out and check the subject and comps. If you need it in a rush, 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? Melissa Phillips can help you with that. While typically requested by banks, you may need to take advantage of this service if you suspect mortgage fraud related to your property.