Attention homeowners in Watkinsville and Oconee County: Get an Appraisal today!

Here are the top 7 reasons GA homeowners use Kirby Kilgore:

Find the right listing price (whether they're selling the home themselves or using an agent)
Challenge property tax assessments
To lower their monthly mortgage payment by removing PMI
To reinstate your Home Equity Line of Credit (HELOC)
Review another appraiser's report for verification
In the case of a GA divorce, where property needs to be divided
To settle an estate in Oconee county or GA by determining the true market value of real estate in question

Own a home in or near Watkinsville, GA and need help determining the price of it?
Contact Kirby Kilgore.

We at Kirby Kilgore understand the special needs of a customer in need of appraisal services. Our typical business clients get the appraisal process and the usual documents we provide. As our 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 present the results of our analysis.

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

It's very hard to be objective about your house because you probably have an emotional attachment to it. The professional appraisers at Kirby Kilgore 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 selling price so your property will attract buyers, a professional appraisal is very crucial as a negotiating tool once you have an attainable buyer. It gives you something concrete to show your buyer. The appraisal is an independent third party's opinion of your house's value, not just you saying how much your house is worth. Potential buyers assume that you have an emotional attachment to your house and will be much more likely to give credibility to an experienced appraiser's value conclusion than yours.

Appraisals to remove PMI

An attractive way to cut costs 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 is below 80% of the value of your house, in most cases you can apply to the lender to have the PMI eliminated from your loan, which will make your monthly payments go down. We are experienced in helping clients just like you delete unneeded and unwanted PMI insurance.

Challenge Oconee county's assessment of your property

Lets say you live in a region that's going down -- your local tax assessor may have your house overvalued. That only means you are most likely paying more taxes than you should. Since your property assessment may likely go up again in the next period, the earlier you take care of a matter like this, the better. When challenging your property tax assessment, getting an appraisal report from Kirby Kilgore is your number one weapon.

Recently got a freeze your HELOC?

Your lender might just choose to automatically freeze your home equity line of credit (HELOC) if your property is near a declining area -- even if your specific property has not declined in value. This can this be difficult from a cash flow viewpoint, and detrimental to your credit score since it may appear as though that credit line is maxed out. Kirby Kilgore can provide you with efficient appraisal that will help you reinstate your HELOC.

Field and Desktop Appraisal Review Services

Do you need an expert to double-check your appraisal for efficiency, or do you want a second opinion without the expense and delay of waiting for a whole new appraisal? Kirby Kilgore offers field reviews where we go out and check the subject and comps in question. 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 had in the past. While typically requested by banks, you may wish to take advantage of this service if you suspect mortgage fraud related to your property.