Need an appraisal in ARDMORE or Carter County?
See the top seven reasons why Oklahoma homeowners order from Gary Ward Appraisals:
We at Gary Ward Appraisals understand the unique needs of a customer looking for appraisal services. The appraisal process and reporting formats are familiar to our business clients like banks, lawyers, and CPAs. Being a consumer that ordinarily doesn't look at appraisals every day, we will provide you with extra guidance and explanations through the appraisal process to better understand what we do and how we report our conclusions.
For-Sale-by-Owner (FSBO) / Pre-Listing ServicesSince you have an emotional attachment to your home, it's often very hard to be objective about it. Professional appraisers, like the ones at Gary Ward Appraisals, are objective. We will tell you what you need to know, not just what you want to hear. A professional appraisal is very valuable as a negotiating tool once you have an attainable buyer, in addition to helping you set a realistic price to sell at so your home will attract buyers. It's something tangible to show the buyer. An 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 you have an emotional attachment to your house and will be much more likely to give credibility to an accomplished appraiser's value assessment than yours.
Challenge a property tax assessmentYour local tax assessor may have your house overvalued if you live in a region that's declining or not appreciating as much as other houses close to yours. This only 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 faster you take care of a matter like this, the better off you'll be. Getting an appraisal report from Gary Ward Appraisals is your strongest weapon when challenging your property tax assessment.
Appraisals to cancel PMIGetting the PMI (Private Mortgage Insurance) eliminated from your mortgage loan is an attractive way to cut expenses for homeowners. 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 the lender to have the PMI canceled from your loan. At Gary Ward Appraisals, we're qualified in helping folks just like you rid yourselves of unneeded PMI insurance.
Was your HELOC recently frozen?Even if your specific property has not declined in value, your lender may just decide to automatically freeze your home equity line of credit (HELOC) if your house is in a declining area. Not only can this be inopportune from a cash flow point of view, but it can be damaging to your credit score since it may appear as though that credit line is maxed out. Gary Ward Appraisals can provide you with an expert appraisal that will help you reinstate your HELOC.
Do You Need Field and Desktop Appraisal Review Services?Have you just accepted a copy of your appraisal and you'd like to have a seasoned expert double-check it for efficiency or do you want a second opinion without the added cost and delay of waiting for a whole new appraisal? An appraiser from Gary Ward Appraisals can go out and check the subject and comparables in a field review. If you're in a hurry, we'll 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? We can assist you. Even though most review work is requested by lenders, homeowners that have reason to believe they've been the victim of mortgage fraud are wise to invest in a second opinion.