Attention homeowners: Real estate appraisal services for in Chickamauga and Catoosa County

Here are the top 7 reasons why GA homeowners hire Kernea Appraisals:

Get a pre-listing appraisal (whether they're selling the home on their own or using an agent)
Challenge Catoosa county's assessment of your property
Remove PMI to lower a monthly mortgage payment
Reinstate your Home Equity Line of Credit (HELOC)
Verify another appraiser's report
If real estate needs to be divided because of a divorce
To determine the true market value of real estate in question to settle an estate in Catoosa county or GA

Do you own a house in or near Chickamauga? Do you need help deciding the price of your real estate?
Contact Kernea Appraisals.

At Kernea Appraisals, we understand the special needs of a homeowner looking for appraisal services. Our business practices and reporting formats are familiar to our business clients like banks, attorneys, and CPAs. As our client, we will give you extra guidance and explanations through the appraisal process to more clearly understand what we do and how we report the results of our analysis.

Pre-listing Services/For Sale By Owner

It's very hard to be objective about your house because of your emotional attachment to it. A professional appraiser is objective and 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 attainable buyer, in addition to helping you set a realistic selling price so your property will attract interested buyers. It's something concrete to show the buyer. An appraisal is an independent third party's opinion of your house's value -- not just you saying how much your home is worth. Interested buyers know that you have an emotional attachment to your house and will be more likely to give credibility to a seasoned appraiser's value estimation than yours.

Appraisals to cancel PMI

An attractive 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 amount is below 80% of the value of your house. In most cases you can apply to the lender to have the PMI eliminated from your loan. Kernea Appraisals is experienced in helping homeowners just like you rid themselves of unwanted and unneeded PMI insurance.

Challenge property tax assessments

Your local tax assessor may have your home overvalued if your home is not appreciating as much as other properties close by. This 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 quicker you take care of a matter like this, the better off you'll be. When challenging your property tax assessment, getting an expert appraisal from Kernea Appraisals is your perfect weapon.

HELOC recently frozen?

Your lender may just decide to automatically freeze your home equity line of credit (HELOC) if your house is near a declining area -- 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. An expert appraisal from Kernea Appraisals can help you reinstate your HELOC.

Field and Desktop Appraisal Review Services

Do you need a veteran appraiser to double-check your appraisal for precision, or do you desire a second opinion without the expense and delay of waiting for a whole new appraisal? Kernea Appraisals offers field reviews where we go out and check the subject and comps. 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.

Need a retrospective review of an appraisal report? We can help with that too. While usually requested by banks, you may need to use this service if you suspect mortgage fraud related to your property.