Attention homeowners in Midland and Harris County: Get an Appraisal today!

Check out the top 7 reasons GA homeowners need Philip Goff:

Pre-listing appraisals (whether they're selling the home on their own or using a real estate agent)
Challenge Harris county's assessment of your propertyvalue
To lower a mortgage payment by removing PMI
Reinstate your Home Equity Line of Credit (HELOC)
Verify another appraiser's report
In the case of a GA divorce, where real estate needs to be divided
To determine the true market value of property in question to settle an estate in GA

Need help determining the price of your house in or near Midland, GA?
Contact Philip Goff.

We at Philip Goff understand the special needs of a consumer in need of appraisal services. Our business practices and reporting formats are relatively routine to our business clients like banks, attorneys, and accountants. Being a person not in the real estate field that ordinarily doesn't see an appraisal every day,we will give you extra guidance and explanations through the appraisal process to understand what we do and how we report the results of our analysis.

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

It's very hard to be objective about your house because of your emotional attachment to it. Our professional appraisers at Philip Goff 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 crucial as a negotiating tool once you have an attainable buyer, in addition to helping you set a realistic selling price so your property will attract many interested buyers. The appraisal is something concrete to show your buyer. It's an independent third party's opinion of your property's price, and not just how much you think your house is worth. Potential buyers know that you have an emotional attachment to your house and will be far more likely to give credibility to an experienced appraiser's value conclusion than yours.

Need to cancel PMI?

PMI stands for Private Mortgage Insurance. A preferred way to cut expenses for homeowners is to get the PMI canceled 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 your lender to have the PMI removed from your loan. At Philip Goff, we're seasoned in helping people just like you rid themselves of unnecessary PMI insurance.

Challenge property tax assessments

Your local tax assessor may have your house overvalued if you live in a region that is declining. This means you are going to pay higher taxes than you should be paying. The faster you take care of a matter like this, the better, since your property assessment may likely go up again in the next period. A professional appraisal from Philip Goff is your best weapon when challenging your property tax assessment.

HELOC recently frozen?

If your property is in 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 disadvantageous 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. Philip Goff can help you reinstate your HELOC.

Do You Need Field and Desktop Appraisal Review Services?

Would you prefer a second opinion without the cost and delay of waiting for a whole new appraisal? Or do you need a seasoned expert to double-check your appraisal for verity? Philip Goff offers field reviews where we go out and check the subject and comparables in question. If you need it ASAP, 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 make use of this service if you suspect mortgage fraud related to your house.