Appraisal services for Banner and Calhoun County homeowners

Check out the top 7 reasons why Mississippi homeowners need Rachelle Edwards:

Pre-listing appraisals (whether they're selling the home themselves or using an agent)
Challenge property tax assessments
To reduce their monthly mortgage payment by removing PMI
Reinstate their Home Equity Line of Credit (HELOC)
Review a different appraiser's report for verification
If real estate property needs to be divided because of a divorce
To determine the true market value of real estate to settle an estate


	Do you own a house in or near Banner? Do you need help determining the value of your real estate? Contact Rachelle Edwards.

At Rachelle Edwards, we understand the special needs of a consumer in need of appraisal services. Our business practices and reporting formats are relatively routine to our business clients like lenders, lawyers, and accountants. But as a consumer, we will give you extra guidance and explanations through the appraisal process to better understand what we do and how we present our conclusions.

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

It's very hard to be objective about your home because you most likely have an emotional attachment to it. Our professional appraisers at Rachelle Edwards are objective. We won't just tell you what you want to hear, we will tell you what you need to know. In addition to helping you set a realistic selling price so your property will attract buyers, a professional appraisal is very crucial as a negotiating tool once you have a potential buyer. The appraisal is something concrete to show your buyer. The appraisal is an independent third party's opinion of your house's market value, not just you saying how much you think your house is worth. Interested buyers know that you have an emotional attachment to your house and will be much more likely to give credibility to an accomplished appraiser's value report than yours.

Challenge property tax assessments

If you live in a region that is going down or is not appreciating as much as other properties close by, your local tax assessor may have your home overvalued. This means you're probably paying 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 from Rachelle Edwards is your strongest weapon when challenging your property tax assessment.

Need to cancel PMI?

A popular way to cut costs for homeowners is to get the PMI canceled 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 house, in most cases you can apply to your lender to have the PMI eliminated from your loan, which will make your monthly payments go down. Rachelle Edwards is experienced in helping consumers just like you delete unneeded and unwanted PMI insurance.

HELOC recently frozen?

Your lender just might decide to automatically freeze your home equity line of credit (HELOC) if your home is close to a declining area -- even if your specific property has not declined in value. Not only can this be inconvenient from a cash flow point of view, but it can be harmful to your credit score since it may appear as though that credit line is maxed out. Rachelle Edwards can help you reinstate your HELOC.

Do You Need Field and Desktop Appraisal Review Services?

Would you prefer a second opinion without the added expense and delay of waiting for a whole new appraisal? Or do you want an expert to double-check your appraisal for preciseness? In a field review we'll go out and check the subject and comps. If you're in a hurry, we'll 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? We can help with that too. Even though most review work is requested by lenders for quality control, homeowners that have reason to believe they've been the victim of mortgage fraud are wise to invest in a second opinion.