Attention homeowners in Hattiesburg and Lamar County: Need an appraisal?

The top seven reasons why Mississippi homeowners call on Richardson Realty & Appraisal LLC:

Get a pre-listing appraisal (whether you're using a real estate agent or selling the home on your own)
Challenge property tax assessments
To reduce their monthly mortgage payment by removing PMI
Reinstate their Home Equity Line of Credit (or HELOC)
Review a different appraiser's report for verification
In the case of a divorce in the state of Mississippi, where real estate property needs to be divided
Settle an estate in Mississippi by determining the true market value of a property


	Do you own a house in or near Hattiesburg? Do you need help deciding the price of your real estate? Contact Richardson Realty & Appraisal LLC.

We at Richardson Realty & Appraisal LLC understand the special needs of a homeowner in need of appraisal services. Our business practices and reporting formats are familiar to our business clients like lenders, attorneys, and accountants. Being a homeowner that ordinarily doesn't look at appraisals every day, we'll be sure you get extra guidance and explanations through the appraisal process to more clearly understand what we do and how we report our conclusions.

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

Since you have an emotional attachment to your own home, it's often very hard to be objective about it. The professional appraisers at Richardson Realty & Appraisal LLC 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 home will attract many interested buyers, a professional appraisal is very important as a negotiating tool once you have a potential buyer. It's something concrete to show your buyer. The appraisal is an independent third party's opinion of your home's value, not just how much your house is worth. Potential buyers know you have an emotional attachment to your home and will be much more likely to give credibility to an accomplished appraiser's value opinion than yours.

Challenge Tax Assessment

Let's say you live in a local area that is declining -- your local tax assessor may have your house overvalued. This only means you're paying higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the faster you take care of things like this, the better off you'll be. An expert appraisal from Richardson Realty & Appraisal LLC is your best weapon when contesting your property tax assessment.

Appraisals to remove PMI

A preferred way to save money for homeowners is getting the PMI removed 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 are veterans in helping people just like you get rid of unwanted and unneeded PMI insurance.

Was your HELOC recently frozen?

Even if your specific property has not declined in value, your lender might just make the decision to automatically freeze your home equity line of credit (HELOC) if your property is close to a declining area. This can be inconvenient from a cash flow standpoint, and bad for your credit score since it may appear as though that credit line is maxed out. Richardson Realty & Appraisal LLC can help you reinstate your home equity line of credit with a professional appraisal.

Need Field and Desktop Appraisal Review Services?

Do you need a seasoned expert to double-check your appraisal for verity, or do you want a second opinion without the added expense and delay of waiting for a whole new appraisal? We can go out and check the subject and comparables in question in a field review. Or, if you need it 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.

We can also provide you with a retrospective review of any appraisal you may have had in the past. Although most review work is requested by lenders, homeowners suspecting they've been the victim of mortgage fraud are wise to invest in a second opinion.