Appraisal services for Ridgeland and Madison County homeowners

Here are the top reasons MS homeowners call on Busby Appraisal Services, Inc.:

  1. Pre-listing appraisals (whether you're using a real estate agent or selling the home on your own)
  2. Challenge property tax assessments
  3. To cut their mortgage payment by removing PMI
  4. To reinstate your Home Equity Line of Credit (or HELOC)
  5. Verify another appraiser's report
  6. In the case of a MS divorce, when real estate property needs to be divided
  7. Settle an estate in MS by determining the true market value of property in question

Need help deciding the value of your house in or near Ridgeland, MS?
Contact Busby Appraisal Services, Inc..

At Busby Appraisal Services, Inc., we understand the special needs of a customer looking for appraisal services. Our regular business clients understand the appraisal process and the customary "products" we deliver to them. As our client, you will receive extra guidance and explanations through the appraisal process to understand what we do and how we report our findings.

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

Since you have an emotional attachment to your house, it's often very hard to be objective about it. Our professional appraisers at Busby Appraisal Services, Inc. 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 a crucial negotiating tool once you have a likely buyer, in addition to helping you set a realistic selling price so your property 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 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 a qualified appraiser's value judgement than yours.

Appraisals to cancel PMI

A preferred money saver 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". Once your mortgage loan is below 80% of the value of your home, in most cases you can apply to the lender to have the PMI canceled from your loan, which will make your monthly payments go down. Busby Appraisal Services, Inc. is qualified in helping clients just like you remove unwanted PMI insurance.

Challenge Tax Assessment

Your local tax assessor may have your house overvalued if you live in a region that is declining or not appreciating as much as other properties close to yours. That means you're paying more taxes than you should. The faster you take care of a matter like this, the better off you'll be, since your property assessment may likely go up again in the next period. An appraisal from Busby Appraisal Services, Inc. is your #1 weapon when contesting your property tax assessment.

HELOC recently frozen?

Even if your specific property has not declined in value, your lender may just choose to automatically freeze your home equity line of credit (HELOC) if your house is in or near a declining area. This can be be damaging to your credit score since it may appear as though that credit line is maxed out, and also disadvantageous from a cash flow point of view. Busby Appraisal Services, Inc. can help you reinstate your home equity line of credit with a professional appraisal.

We Offer Field and Desktop Appraisal Review Services

Do you need a professional to double-check your appraisal for accuracy, or do you desire a second opinion without the added expense and delay of waiting for a whole new appraisal? Busby Appraisal Services, Inc. offers field reviews where we'll go out and check the subject and comps. Or, if you need it in a rush, we can provide you with a 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 report? We can help with that too. Even though this is usually requested by banks, you may wish to exploit this service if you suspect mortgage fraud related to your home.