Attention homeowners in Kaysville and Davis County: Need an appraisal?

The top seven reasons why UT homeowners hire Garner Appraisal Group:

Pre-listing appraisals (whether they're selling the home themselves or using an agent)
To challenge a UT property tax assessment
Remove PMI to lower their mortgage payments
To reinstate their Home Equity Line of Credit (HELOC)
To review another appraiser's report for verification
In the case of a UT divorce, where real estate needs to be divided
To determine the true market value of real estate in question to settle an estate in Davis county or UT

Do you own a home in or near Kaysville? Do you need help determining the value of your real estate?
Contact Garner Appraisal Group.

We at Garner Appraisal Group understand the unique needs of a consumer seeking appraisal services. Our regular business clients are used to the appraisal process and the standard reporting formats. As our valued client, we will provide you with extra guidance and explanations through the appraisal process to more clearly understand what we do and how we document our conclusions.

Pre-listing Services/For Sale By Owner

Since you have an emotional attachment to your home, it's often very hard to be objective about it. Our professional appraisers at Garner Appraisal Group are objective. We won't just tell you what you want to hear, we will tell you what you need to know. In addition to helping you set a realistic selling price so your property will attract buyers, a professional appraisal is very important as a negotiating tool once you have a potential buyer. 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 your house is worth. Potential buyers know you have an emotional attachment to your home and will be much more likely to give credibility to a seasoned appraiser's value estimation than yours.

PMI Removal Appraisals

A fashionable way to save money for homeowners is getting 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 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 veterans in helping clients just like you do away with unwanted PMI insurance.

Challenging Davis county's assessment of your property

Your local tax assessor may have your home overvalued if you live in an area that is going down or is not appreciating as much as other homes nearby. That only means you're probably 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. Getting an appraisal from Garner Appraisal Group is your strongest weapon when contesting your property tax assessment.

Was your HELOC recently frozen?

Even if your specific property has not declined in value, your lender just may make the decision to automatically freeze your home equity line of credit (HELOC) if your property is in a declining area. This can be be bad for your credit score since it may appear as though that credit line is maxed out, and also inconvenient from a cash flow standpoint. Garner Appraisal Group 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 would wish to have an expert double-check it for preciseness or do you want a second opinion without the expense and delay of waiting for a whole new appraisal? We can go out and check the subject and comps in question in a field review. Or, if you're 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? We can help you with that While usually requested by banks, you may need to use this service if you suspect mortgage fraud related to your house.