Appraisal services for Warner Robins and Houston County homeowners

Here are the top 7 reasons why GA homeowners use Hortman Appraisals, LLC. :

Find the right listing price (whether they're selling the home on their own or using an agent)
Challenge Houston county's assessment of your property
Remove PMI to cut a mortgage payment
To reinstate their Home Equity Line of Credit (or HELOC)
To review another appraiser's report for verification
If property needs to be divided because of a divorce
To settle an estate in Houston county or GA by determining the true market value of property in question

Own a house in or near Warner Robins, GA and need help deciding the value of it?
Contact Hortman Appraisals, LLC. .

At Hortman Appraisals, LLC. , we understand the unique needs of a customer after appraisal services. Our regular business clients understand the appraisal process and the standard reporting formats. Being a regular homeowner that probably doesn't see an appraisal on a regular basis,you will receive extra guidance and explanations through the appraisal process to better understand what we do and how we report our conclusions.

For Sale By Owner/Pre-Listing Services

Since you have an emotional attachment to your own house, it's often very hard to be objective about it. The professional appraisers at Hortman Appraisals, 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 price to sell at so your house will attract buyers, a professional appraisal is very crucial as a negotiating tool once you have an interested buyer. The appraisal is something tangible to show the buyer. It's an independent third party's opinion of your property's price, and not just you saying how much your home is worth. Potential buyers know that you have an emotional attachment to your home and will be much more likely to give credibility to an accomplished appraiser's value assessment than yours.

Appraisals to remove PMI

PMI stands for Private Mortgage Insurance. An attractive way to save money for homeowners is getting the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. Your monthly payments will go down once your mortgage loan amount is less than 80% of the value of your house. In most cases you can apply to the lender to have the PMI canceled from your loan. We're experts in helping homeowners just like you dismiss unwanted and unneeded PMI insurance.

Challenge Tax Assessment

Your local tax assessor may have your house overvalued if you live in a local area that's declining. This only means you're probably paying higher taxes than you should be paying. The earlier you take care of a matter like this, the better, since your property assessment may likely go up again in the next period. Getting a professional appraisal from Hortman Appraisals, LLC. is your number one weapon when challenging your property tax assessment.

Recently got a freeze your HELOC?

If your house is near a declining area, your lender just might decide to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. Not only can this be difficult from a cash flow angle, but it can be destructive to your credit score since it may appear as though that credit line is maxed out. Hortman Appraisals, LLC. can help you reinstate your HELOC.

We Also Offer Field and Desktop Appraisal Review Services

Have you just gotten a copy of your appraisal and you would prefer to have a seasoned expert double-check it for preciseness 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. 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.

We can also provide you with a a retrospective review of any appraisal you may have had done before. While usually requested by banks, you may wish to utilize this service if you suspect mortgage fraud related to your property.