Attention homeowners in Fulton and Itawamba County: Get an Appraisal today!

The top seven reasons MS homeowners use Phil Morris Appraisals:

  1. To get a pre-listing appraisal (whether they're selling the home themselves or using a real estate agent)
  2. To challenge a MS property tax assessment
  3. Remove PMI to cut a mortgage payments
  4. Reinstate your Home Equity Line of Credit (HELOC)
  5. To review another appraiser's report for verification
  6. In the case of a MS divorce, when real estate property needs to be divided
  7. To determine the true market value of property in question to settle an estate in Itawamba County or the state of MS

Do you own a house in or near Fulton? Do you need help determining the price of your real estate?
Contact Phil Morris Appraisals.

We at Phil Morris Appraisals understand the individual needs of a consumer seeking appraisal services. Our regular business clients understand the appraisal process and the customary documents we provide. But as a general consumer,you can expect 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/Pre-Listing Services

It's very hard to be objective about your home because of your emotional attachment to it. Professional appraisers, like the ones at Phil Morris Appraisals, will be objective. We 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 buyers, a professional appraisal is a very important negotiating tool once you have an interested buyer. It gives you something concrete to show your buyer. An appraisal is an independent third party's opinion of your home's value -- not just you saying how much your house is worth. Interested buyers know you have an emotional attachment to your house and will be more likely to give credibility to an expert appraiser's value estimation than yours.

Need to cancel PMI?

PMI stands for Private Mortgage Insurance. A popular way to save money for homeowners is getting the PMI removed from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan amount is down below 80% of the value of your property, in most cases you can apply to the lender to have the PMI removed from your loan, which will make your monthly payments go down. We're seasoned in helping folks just like you rid yourselves of unwanted and unneeded PMI insurance.

Challenge property tax assessments

Your local tax assessor may have your house overvalued if you live in an area that is going down or is not appreciating as much as other homes nearby. This 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 sooner you take care of things like this, the better off you'll be. When contesting your property tax assessment, getting an appraisal report from Phil Morris Appraisals is your best weapon.

HELOC recently frozen?

Even if your specific property has not declined in value, your lender just might decide to automatically freeze your home equity line of credit (HELOC) if your home is in a declining area. This can be be detrimental to your credit score since it may appear as though that credit line is maxed out, and also inconvenient from a cash flow point of view. Phil Morris Appraisals can help you reinstate your HELOC.

We Also Provide Field and Desktop Appraisal Review Services

Have you just been given a copy of your appraisal and you'd wish to have a veteran appraiser double-check it for preciseness or do you need a second opinion without the charge and delay of waiting for a whole new appraisal? An appraiser from Phil Morris Appraisals can go out and check the subject and comps in question in a field review. Or, if you're in a hurry, we can 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 report you may have had in the past. While usually requested by banks, you may desire to employ this service if you suspect mortgage fraud related to your house.