Appraisal services for Ringgold and Catoosa County homeowners

Here are the top 7 reasons GA homeowners use Chris McKnight:

To get a pre-listing appraisal (whether they're selling the home on their own or using an agent)
Challenge Catoosa county's assessment of your propertyvalue
To lower their mortgage payment by removing PMI
To reinstate their Home Equity Line of Credit (HELOC)
To review another appraiser's report for verification
If property needs to be divided because of a divorce
Determine the true market value of property in question to settle an estate

Own a house in or near Ringgold, GA and need help deciding the price of it?
Contact Chris McKnight.

At Chris McKnight, we understand the special needs of a customer looking for appraisal services. While our usual clients understand the appraisal process and standard reporting formats, you as a consumer will get extra customer service in the form of an explanation of the process and even special consumer-friendly reporting forms if the assignment allows for them.

Pre-listing Services/For Sale By Owner

Since you have an emotional attachment to your own home, it's often very hard to be objective about it. Professional appraisers, like the ones at Chris McKnight, will be 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 interested buyer, in addition to helping you set a realistic selling price so your home will attract many interested buyers. It's something tangible to show your buyer. The appraisal is an independent third party's opinion of your house's price, not just you saying how much 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 expert appraiser's value report than yours.

Need to cancel PMI?

An attractive way to cut costs for homeowners is to get the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Your monthly payments will go down once your mortgage loan is down 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. At Chris McKnight, we're veterans in helping customers just like you rid themselves of unneeded PMI insurance.

Challenge Catoosa county's assessment of your property

Lets say your house is not appreciating as much as other properties close to yours -- your local tax assessor may have your house overvalued. That means you're most likely paying more taxes than you should. The faster you take care of things like this, the better off you'll be, since your property assessment may likely go up again in the next period. Getting an expert appraisal from Chris McKnight is your perfect weapon when challenging your property tax assessment.

Was your HELOC recently frozen?

Even if your specific property has not declined in value, your lender might just choose to automatically freeze your home equity line of credit (HELOC) if your house is near a declining area. Not only can this be annoying from a cash flow standpoint, but it can be detrimental to your credit score since it may appear as though that credit line is maxed out. An efficient appraisal from Chris McKnight can help you reinstate your HELOC.

Field and Desktop Appraisal Review Services

Have you just accepted a copy of your appraisal and you'd prefer to have a professional double-check it for efficiency or do you want a second opinion without the cost and delay of waiting for a whole new appraisal? An appraiser from Chris McKnight can go out and check the subject and comparables in question in a field review. Or, if you're in a rush, we can provide desk review and verify as many facts as we can using online data sources as well as our own files.

Need a retrospective review of an appraisal? We can help you with that Even though this is usually requested by banks, you may desire to employ this service if you suspect mortgage fraud related to your home.