Attention homeowners in Ringgold and Catoosa County: Get an Appraisal today!

Check out the top seven reasons why GA homeowners call on Michael R. Gray & Company:

  1. Pre-listing appraisals (whether you're using a real estate agent or selling the home on your own)
  2. Challenge property tax assessments
  3. Remove PMI to lower your mortgage payment
  4. To reinstate their Home Equity Line of Credit (or HELOC)
  5. Review a different appraiser's report for verification
  6. In the case of a GA divorce, where property needs to be divided
  7. Settle an estate in GA by determining the true market value of property in question

Own a home in or near Ringgold, GA and need help deciding the price of it?
Contact Michael R. Gray & Company.

We at Michael R. Gray & Company understand the individual needs of a homeowner after appraisal services. Our regular business clients understand the appraisal process and the standard "products" we deliver to them. As our valued client, we will give you extra guidance and explanations through the appraisal process to more fully understand what we do and how we present our conclusions.

For Sale By Owner/Pre-Listing Services

Since you have an emotional attachment to your home, it's often very hard to be objective about it. Our professional appraisers at Michael R. Gray & Company are objective. We won't just tell you what you want to hear, we will tell you what you need to know. A professional appraisal is very valuable 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. It gives you something tangible to show the buyer. It's an independent third party's opinion of your home's value, and not just you saying how much your house is worth. Potential buyers assume you have an emotional attachment to your house and will be more likely to give credibility to an expert appraiser's value opinion than yours.

Appraisals to remove PMI

PMI stands for Private Mortgage Insurance. A popular way to save money for homeowners is getting the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan is less than 80% of the value of your property, in most cases you can apply to your lender to have the PMI removed from your loan, which will make your monthly payments go down. Michael R. Gray & Company is experienced in helping folks just like you get rid of unneeded PMI insurance.

Challenging property tax assessments

If you live in an area that is declining or is not appreciating as much as other properties nearby, your local tax assessor may have your house overvalued. That only means you're probably paying more taxes than you should. The earlier you take care of things like this, the better, since your property assessment may likely go up again in the next period. An appraisal report from Michael R. Gray & Company is your perfect weapon when challenging your property tax assessment.

Was your HELOC recently frozen?

Your lender just might make the decision to automatically freeze your home equity line of credit (HELOC) if your home is close to a declining area -- even if your specific property has not declined in value. This can be be harmful to your credit score since it may appear as though that credit line is maxed out, and also difficult and inconvenient from a cash flow angle. A professional appraisal from Michael R. Gray & Company can help you reinstate your HELOC.

Field and Desktop Appraisal Review Services

Have you just been handed a copy of your appraisal and you would prefer to have a seasoned professional double-check it for precision or do you want a second opinion without the cost and delay of waiting for a whole new appraisal? An appraiser from Michael R. Gray & Company can go out and check the subject and comparables in question in a field review. Or, if you need it immediately, we can provide you with a desk review and verify as many facts as we can using online data sources as well as our own files.

Need a retrospective review of an appraisal report? We can help with that too. Even though this is typically requested by banks, you may need to utilize this service if you suspect mortgage fraud related to your house.