Attention homeowners: Real estate appraisal services for in Fitzgerald and Ben Hill County

See the top 7 reasons GA homeowners call on Colony Bank:

To get a pre-listing appraisal (whether you're using a real estate agent or selling the home on your own)
Challenge property tax assessments
Remove PMI to cut your mortgage payment
Reinstate their Home Equity Line of Credit (or HELOC)
To review a different appraiser's report for verification
If real estate needs to be divided because of a divorce
To determine the true market value of property in question to settle an estate in Ben Hill county or GA

Do you own a home in or near Fitzgerald? Do you need help deciding the price of your real estate?
Contact Colony Bank.

At Colony Bank, we understand the special needs of a homeowner looking for appraisal services. The appraisal process and reporting formats are relatively routine to our business clients like banks, lawyers, and accountants. Being a regular homeowner that most likely doesn't look at appraisals on a regular basis,you will receive extra guidance and explanations through the appraisal process to more fully understand what we do and how we report our conclusions.

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

It's very hard to be objective about your house because of your emotional attachment to it. The professional appraisers at Colony Bank will tell you what you need to know -- not just what you want to hear. We are objective. In addition to helping you set a realistic selling price so your house will attract interested buyers, a professional appraisal is very important as a negotiating tool once you have a potential buyer. It's something tangible to show your buyer. It's an independent third party's opinion of your house's price, and not just how much your home is worth. Potential buyers assume you have an emotional attachment to your house and will be more likely to give credibility to an accomplished appraiser's value opinion than yours.

Appraisals to remove PMI

Getting the PMI (Private Mortgage Insurance) canceled from your mortgage loan is a fashionable way to cut costs for homeowners. Once your mortgage loan is below 80% of the value of your home, in most cases you can apply to the lender to have the PMI canceled from your loan, which will make your monthly payments go down. Colony Bank is veterans in helping homeowners just like you rid yourselves of unnecessary PMI insurance.

Challenging property tax assessments

If you live in a local area that is going down or is not appreciating as much as other homes nearby, your local tax assessor may have your house overvalued. This means you're most likely paying 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. When challenging your property tax assessment, getting an appraisal report from Colony Bank is your chief weapon.

Recently got a freeze your HELOC?

If your house is 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. 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. Colony Bank can provide you with efficient 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 an expert double-check it for efficiency or do you want a second opinion without the added cost and delay of waiting for a whole new appraisal? An appraiser from Colony Bank can go out and check the subject and comps in a field review. Or, if you need it ASAP, 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 report? Colony Bank can help with that too. While typically requested by banks, you may need to exploit this service if you suspect mortgage fraud related to your property.