Attention homeowners in Dalton and Whitfield County: Get an Appraisal today!

See the top 7 reasons why GA homeowners use Hammontree & Associates, Inc.:

  1. Find the right listing price (whether they're selling the home on their own or using an agent)
  2. Challenge a property tax assessment
  3. Remove PMI to cut your mortgage payment
  4. To reinstate their Home Equity Line of Credit (HELOC)
  5. Review another appraiser's report for verification
  6. In the case of a GA divorce, when real estate needs to be divided
  7. To settle an estate in Whitfield county or GA by determining the true market value of real estate in question

Need help determining the value of your house in or near Dalton, GA?
Contact Hammontree & Associates, Inc..

At Hammontree & Associates, Inc., we understand the particular needs of a consumer after appraisal services. While our usual 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

Since you have an emotional attachment to your home, it's often very hard to be objective about it. Professional appraisers, like the ones at Hammontree & Associates, Inc., will be objective. We'll tell you what you need to know, not just what you want to hear. A professional appraisal is very important as a negotiating tool once you have an interested buyer, in addition to helping you set a realistic selling price so your home will attract interested buyers. It's something concrete to show the buyer. It's an independent third party's opinion of your house's price, and not just how much your house is worth. Interested buyers assume you have an emotional attachment to your home and will be much more likely to give credibility to an expert appraiser's value report than yours.

Need to cancel PMI?

Getting the PMI (Private Mortgage Insurance) canceled from your mortgage loan is a fashionable way to cut costs for homeowners. Your monthly payments will go down once your mortgage loan is down below 80% of the value of your house. In most cases you can apply to a lender to have the PMI removed from your loan. At Hammontree & Associates, Inc., we're qualified in helping folks just like you remove unnecessary PMI insurance.

Challenging property tax assessments

Your local tax assessor may have your house overvalued if you live in a region that's declining or not appreciating as much as other properties close by. This means you are paying higher taxes than you should be paying. The earlier you take care of a matter like this, the better off you'll be, since your property assessment may likely go up again in the next period. When challenging your property tax assessment, getting an expert appraisal from Hammontree & Associates, Inc. is your best weapon.

Recently got a freeze your HELOC?

Your lender just may decide to automatically freeze your home equity line of credit (HELOC) if your property is in a declining area -- even if your specific property has not declined in value. Not only can this be inopportune from a cash flow viewpoint, but it can be negative on your credit score since it may appear as though that credit line is maxed out. Hammontree & Associates, Inc. can help you reinstate your home equity line of credit with efficient appraisal.

Field and Desktop Appraisal Review Services

Have you just been given a copy of your appraisal and you'd like to have a seasoned expert double-check it for efficiency or do you desire a second opinion without the added cost and delay of waiting for a whole new appraisal? An appraiser from Hammontree & Associates, Inc. can go out and check the subject and comps in a field review. If you need it immediately, 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 typically requested by banks, you may wish to exercise this service if you suspect mortgage fraud related to your home.