Attention homeowners: Real estate appraisal services for in Pontotoc and Pontotoc County

The top 7 reasons MS homeowners need Randy Thomas:

  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. To cut their mortgage payment by removing PMI
  4. Reinstate their Home Equity Line of Credit (HELOC)
  5. To review another appraiser's report for verification
  6. In the case of a MS divorce, when real estate needs to be divided
  7. To determine the true market value of property in question to settle an estate in Pontotoc County or the state of MS

Own a home in or near Pontotoc, MS and need help deciding the value of it?
Contact Randy Thomas.

At Randy Thomas, we understand the unique needs of a customer seeking appraisal services. Our business practices and reporting formats are familiar to our business clients like lenders, attorneys, and CPAs. Being a regular person not in the real estate field that probably doesn't see an appraisal on a regular basis,you will receive extra guidance and explanations through the appraisal process to understand what we do and how we document the results of our analysis.

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

It's very hard to be objective about your own house because you most likely have an emotional attachment to it. The professional appraisers at Randy Thomas 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 property will attract interested buyers, a professional appraisal is very crucial as a negotiating tool once you have an interested buyer. It's something concrete to show your buyer. The appraisal is an independent third party's opinion of your home's price, not just you saying how much your house is worth. Interested buyers know you have an emotional attachment to your home and will be much more likely to give credibility to a seasoned appraiser's value report than yours.

Need to cancel PMI?

A popular way to cut expenses for homeowners is to get the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Once your mortgage loan amount is below 80% of the value of your property, in most cases you can apply to your lender to have the PMI canceled from your loan, which will make your monthly payments go down. At Randy Thomas, we're experienced in helping homeowners just like you delete unwanted PMI insurance.

Challenging property tax assessments

Your local tax assessor may have your home overvalued if your house is not appreciating as much as other homes close to yours. 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 quicker you take care of things like this, the better off you'll be. When contesting your property tax assessment, getting a professional appraisal from Randy Thomas is your perfect weapon.

Was your HELOC recently frozen?

If your property is in a declining area, your lender may choose 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 unsuitable from a cash flow point of view, but it can be bad for your credit score since it may appear as though that credit line is maxed out. Randy Thomas can provide you with a professional appraisal to help you reinstate your HELOC.

Field and Desktop Appraisal Review Services

Have you just accepted a copy of your appraisal and you'd wish to have a seasoned professional double-check it for verity or do you need a second opinion without the added cost and delay of waiting for a whole new appraisal? An appraiser from Randy Thomas can go out and check the subject and comparables in a field review. If you're in a rush, 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 you with a a retrospective review of any appraisal you may have in your possession. Even though this is typically requested by banks, you may need to take advantage of this service if you suspect mortgage fraud related to your home.