Attention homeowners: Real estate appraisal services for in Valdosta and Lowndes County

The top reasons Georgia homeowners hire Bajalia & Associates, LLC:

Get a pre-listing appraisal (whether you're using an agent or selling the home on your own)
Challenge a property tax assessment
To reduce your mortgage payments by removing PMI
Reinstate their Home Equity Line of Credit (HELOC)
To review another appraiser's report for verification
If property needs to be divided because of a divorce
To determine the true market value of a property to settle an estate in Lowndes County or the state of Georgia


	Need help determining the price of your home in or near Valdosta, Georgia? Contact Bajalia & Associates, LLC.

At Bajalia & Associates, LLC, we understand the individual needs of a homeowner in need of appraisal services. Our usual business clients understand the appraisal process and the usual reporting formats. As our non-traditional client, we'll be sure you get 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

Since you have an emotional attachment to your house, it's often very hard to be objective about it. A professional appraiser is objective and will tell you what you need to know, not just what you want to hear. 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 house will attract interested buyers. 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 how much your house is worth. Interested buyers know that you have an emotional attachment to your home and will be more likely to give credibility to an accomplished appraiser's value assessment than yours.

Challenging Lowndes County's assessment of your property

If you live in an area that is going down or is not appreciating as much as other properties close by, your local tax assessor may have your house overvalued. This 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 faster you take care of a matter like this, the better. When contesting your property tax assessment, getting a professional appraisal from Bajalia & Associates, LLC is your perfect weapon.

PMI Removal Appraisals

Getting the PMI (Private Mortgage Insurance) eliminated from your mortgage loan is a popular way to cut expenses for homeowners. Your monthly payments will go down once your mortgage loan is below 80% of the value of your home. In most cases you can apply to the lender to have the PMI removed from your loan. At Bajalia & Associates, LLC, we're experienced in helping people just like you do away with unneeded and unwanted PMI insurance.

HELOC recently frozen?

Even if your specific property has not declined in value, your lender just might decide to automatically freeze your home equity line of credit (HELOC) if your property is in or near a declining area. This can be disadvantageous from a cash flow standpoint, and harmful to your credit score since it may appear as though that credit line is maxed out. An expert appraisal from Bajalia & Associates, LLC can help you reinstate your HELOC.

Field and Desktop Appraisal Review Services

Do you need a seasoned professional to double-check your appraisal for accuracy, or do you need 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 comps in a field review. 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? Bajalia & Associates, LLC can help you with that. While usually requested by banks, you may desire to utilize this service if you suspect mortgage fraud related to your home.