Attention homeowners in Greensboro and Guilford County: Need an appraisal?

See the top seven reasons why NC homeowners need Gina Hammett:

  1. Get a pre-listing appraisal (whether they're selling the home themselves or using a real estate agent)
  2. Challenge Guilford county's assessment of your propertyworth
  3. Remove PMI to reduce their mortgage payments
  4. Reinstate their Home Equity Line of Credit (HELOC)
  5. To review a different appraiser's report for verification
  6. If real estate property needs to be divided because of a divorce
  7. Determine the true market value of real estate in question to settle an estate

Own a home in or near Greensboro, NC and need help determining the price of it?
Contact Gina Hammett.

At Gina Hammett, we understand the unique needs of a customer after appraisal services. While our typical business clients understand the appraisal process and standard reporting formats, you as a consumer will get extra service in the form of an explanation of the process and even special consumer-friendly reporting forms if the assignment allows for them.

Pre-listing Services/For Sale By Owner

It's very hard to be objective about your own home because you probably have an emotional attachment to it. The professional appraisers at Gina Hammett will tell you what you need to know -- not just what you want to hear. We are objective. A professional appraisal is very crucial as a negotiating tool once you have an interested buyer, in addition to helping you set a realistic selling price so your property will attract buyers. It's something concrete to show your buyer. It's an independent third party's opinion of your house's price, and not just you saying how much you think your house is worth. Potential buyers assume that you have an emotional attachment to your house and will be more likely to give credibility to a qualified appraiser's value conclusion than yours.

Appraisals to cancel PMI

Getting the PMI (Private Mortgage Insurance) removed from your mortgage loan is a fashionable way to cut expenses for homeowners. Your monthly payments will go down once your mortgage loan amount is less than 80% of the value of your home. In most cases you can apply to a lender to have the PMI eliminated from your loan. We are experts in helping folks just like you rid themselves of unneeded PMI insurance.

Challenge property tax assessments

Lets say you live in a region that's declining -- your local tax assessor may have your house overvalued. This means you're paying higher taxes than you should be paying. The quicker you take care of things like this, the better, since your property assessment may likely go up again in the next period. An expert appraisal from Gina Hammett is your #1 weapon when challenging your property tax assessment.

Recently got a freeze your HELOC?

Even if your specific property has not declined in value, your lender might just choose to automatically freeze your home equity line of credit (HELOC) if your house is in or near a declining area. This can this be difficult and inconvenient from a cash flow standpoint, and detrimental to your credit score since it may appear as though that credit line is maxed out. Gina Hammett can help you reinstate your home equity line of credit with efficient appraisal.

Do You Need Field and Desktop Appraisal Review Services?

Would you prefer a second opinion without the added cost and delay of waiting for a whole new appraisal? Or do you desire a seasoned appraiser to double-check your appraisal for efficiency? Gina Hammett offers field reviews where we go out and check the subject and comparables. Or, if you're in a hurry, we can 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 you with a a retrospective review of any appraisal you may have in your possession. Even though this is typically requested by banks, you may want to exercise this service if you suspect mortgage fraud related to your property.