Need an appraisal in Savannah or Chatham County?

Check out the top reasons GA homeowners order from Kaluzne & Company:

  1. Get a pre-listing appraisal (whether they're selling the home on their own or using an agent)
  2. To challenge a GA property tax assessment
  3. To reduce a mortgage payments by removing PMI
  4. To reinstate their Home Equity Line of Credit (HELOC)
  5. Review another appraiser's report for verification
  6. If real estate property needs to be divided because of a divorce
  7. Determine the true market value of real estate in question to settle an estate

Do you own a home in or near Savannah? Do you need help determining the price of your real estate?
Contact Kaluzne & Company.

We at Kaluzne & Company understand the unique needs of a consumer looking for appraisal services. Our customary business clients understand the appraisal process and the usual documents we provide. But as a general consumer,we will provide you with extra guidance and explanations through the appraisal process to more fully understand what we do and how we document our findings.

Pre-listing Services/For Sale By Owner

Since you have an emotional attachment to your own house, it's often very hard to be objective about it. A professional appraiser is objective and will tell you what you need to know, not just what you want to hear. In addition to helping you set a realistic selling price so your home will attract interested buyers, a professional appraisal is a very important negotiating tool once you have an interested buyer. It's something tangible to show the buyer. It's an independent third party's opinion of your home's price, and not just you saying how much your house is worth. Interested buyers assume you have an emotional attachment to your house and will be far more likely to give credibility to a qualified appraiser's value judgement than yours.

Appraisals to cancel PMI

Getting the PMI (Private Mortgage Insurance) removed from your mortgage loan is an attractive way to cut costs for homeowners. Your monthly payments will go down once your mortgage loan is below 80% of the value of your home. In most cases you can apply to your lender to have the PMI eliminated from your loan. We're experienced in helping folks just like you do away with unneeded and unwanted PMI insurance.

Challenge a property tax assessment

Lets say you live in a local area that's declining -- your local tax assessor may have your house overvalued. This only means you're most likely paying 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 a matter like this, the better. A professional appraisal from Kaluzne & Company is your strongest weapon when contesting your property tax assessment.

Recently got a freeze your HELOC?

Even if your specific property has not declined in value, your lender might choose to automatically freeze your home equity line of credit (HELOC) if your home is close to a declining area. This can this be inopportune from a cash flow standpoint, and harmful to your credit score since it may appear as though that credit line is maxed out. An efficient appraisal from Kaluzne & Company can help you reinstate your HELOC.

We Provide Field and Desktop Appraisal Review Services

Do you need a seasoned appraiser to double-check your appraisal for verity, or do you need a second opinion without the cost and delay of waiting for a whole new appraisal? We can go out and check the subject and comparables in question in a field review. If you need it ASAP, we'll provide you with a 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 report you may have had in the past. While usually requested by banks, you may desire to exploit this service if you suspect mortgage fraud related to your home.