Attention homeowners in North Georgia

The top seven reasons why GA homeowners hire Pendley & Pendley Appraisers:

  1. Find the right listing price (whether they're selling the home on their own or using a real estate agent)
  2. To challenge a GA property tax assessment
  3. Remove PMI to reduce your monthly mortgage payment
  4. To reinstate your Home Equity Line of Credit (HELOC)
  5. Review a different Appraiser's report for verification
  6. If property needs to be divided because of a divorce
  7. Determine the true market value of property in question to settle an estate in GA

Do you own a house in or near Cumming? Do you need help determining the price of your real estate?
Contact Pendley & Pendley Appraisers.

We at Pendley & Pendley Appraisers understand the unique needs of a consumer seeking appraisal services. While our usual clients understand the appraisal process and standard reporting formats, you as a consumer will get an extra level of customer service in the form of an explanation of the process and even special consumer-friendly reporting forms if the assignment allows for them.

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

Since you have an emotional attachment to your home, it's often very hard to be objective about it. The professional appraisers at Pendley & Pendley Appraisers 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 price to sell at so your home will attract buyers. The appraisal is something concrete to show your buyer. The appraisal is an independent third party's opinion of your property's price, not just how much you think your house is worth. Interested buyers assume that you have an emotional attachment to your house and will be far more likely to give credibility to an expert appraiser's value assessment than yours.

Need to cancel PMI?

An attractive way to cut expenses 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". Your monthly payments will go down once your mortgage loan is less than 80% of the value of your property. In most cases you can apply to a lender to have the PMI eliminated from your loan. Pendley & Pendley Appraisers is qualified in helping homeowners just like you abolish unneeded and unwanted PMI insurance.

Challenging property tax assessments

If you live in an area that is declining or is not appreciating as much as other houses close by, your local tax assessor may have your house overvalued. This only means you're most likely paying higher taxes than you should be paying. The sooner you take care of things like this, the better, since your property assessment may likely go up again in the next period. When challenging your property tax assessment, getting an appraisal report from Pendley & Pendley Appraisers is your best weapon.

Recently got a freeze your HELOC?

Your lender might just make the decision to automatically freeze your home equity line of credit (HELOC) if your home is near a declining area -- even if your specific property has not declined in value. This can be be bad for your credit score since it may appear as though that credit line is maxed out, and also troublesome from a cash flow point of view. Pendley & Pendley Appraisers can provide you with efficient appraisal that will help you reinstate your home equity line of credit.

We Also Offer Field and Desktop Appraisal Review Services

Would you wish a second opinion without the added expense and delay of waiting for a whole new appraisal? Or do you need a seasoned appraiser to double-check your appraisal for verity? An appraiser from Pendley & Pendley Appraisers can go out and check the subject and comps in question in a field review. 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.

Do you need a retrospective review of an appraisal? Pendley & Pendley Appraisers can help you with that. Even though this is typically requested by banks, you may want to exploit this service if you suspect mortgage fraud related to your house.