Need an appraisal in Vidalia or Montgomery County?

The top reasons GA homeowners use Gloria J Clifton:

  1. Pre-listing appraisals (whether they're selling the home on their own or using a real estate agent)
  2. Challenge a property tax assessment
  3. Remove PMI to reduce their monthly mortgage payment
  4. Reinstate your Home Equity Line of Credit (HELOC)
  5. Verify another appraiser's report
  6. If property needs to be divided because of a divorce
  7. Settle an estate in GA by determining the true market value of real estate in question

Need help deciding the value of your house in or near Vidalia, GA?
Contact Gloria J Clifton.

At Gloria J Clifton, we understand the unique needs of a customer after appraisal services. Our business practices and reporting formats are familiar to our business clients like banks, lawyers, and CPAs. But as a consumer,you will receive extra guidance and explanations through the appraisal process to more fully understand what we do and how we document 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. A professional appraiser is objective and will tell you what you need to know, not just what you want to hear. In addition to helping you set a realistic selling price so your home will attract many interested buyers, a professional appraisal is a crucial negotiating tool once you have a likely buyer. The appraisal is something tangible to show your buyer. The appraisal is an independent third party's opinion of your property's value, not just you saying how much you think your home is worth. Potential buyers know you have an emotional attachment to your home and will be more likely to give credibility to an experienced appraiser's value judgement than yours.

Need to cancel PMI?

A fashionable money saver for homeowners is to get the PMI removed from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Once your mortgage loan is down below 80% of the value of your home, in most cases you can apply to your lender to have the PMI removed from your loan, which will make your monthly payments go down. At Gloria J Clifton, we're seasoned in helping consumers just like you do away with undesirable PMI insurance.

Challenge a property tax assessment

Lets say your home is not appreciating as much as other homes nearby -- your local tax assessor may have your home overvalued. This only 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 sooner you take care of a matter like this, the better off you'll be. Getting an appraisal report from Gloria J Clifton is your #1 weapon when challenging your property tax assessment.

HELOC recently frozen?

Your lender may choose to automatically freeze your home equity line of credit (HELOC) if your house is in or near a declining area -- even if your specific property has not declined in value. This can be be detrimental to your credit score since it may appear as though that credit line is maxed out, and also troublesome from a cash flow angle. Gloria J Clifton can help you reinstate your HELOC.

We Also Provide Field and Desktop Appraisal Review Services

Do you need a veteran appraiser to double-check your appraisal for preciseness, or do you need a second opinion without the added expense and delay of waiting for a whole new appraisal? In a field review we'll go out and check the subject and comparables. 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.

We can also provide a retrospective review of any appraisal report you may have had done before. Even though this is usually requested by banks, you may need to employ this service if you suspect mortgage fraud related to your property.