Need an appraisal in Norman or Cleveland County?

Here are the top reasons OK homeowners use GARCOM Appraisals:

  1. To get a pre-listing appraisal (whether you're using an agent or selling the home on your own)
  2. Challenge Cleveland county's assessment of your property
  3. Remove PMI to cut a mortgage payments
  4. Reinstate your Home Equity Line of Credit (or HELOC)
  5. Review another appraiser's report for verification
  6. If real estate property needs to be divided because of a divorce
  7. Settle an estate in OK by determining the true market value of property in question

Own a house in or near Norman, OK and need help deciding the value of it?
Contact GARCOM Appraisals.

We at GARCOM Appraisals understand the individual needs of a customer looking for appraisal services. Our usual business clients understand the appraisal process and the usual reporting formats. But as a general consumer,you can expect extra guidance and explanations through the appraisal process to understand what we do and how we present the results of our analysis.

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

It's very hard to be objective about your own house because you most likely have an emotional attachment to it. Our professional appraisers at GARCOM Appraisals 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 an attainable buyer, in addition to helping you set a realistic selling price so your property will attract buyers. It gives you something tangible to show your buyer. An appraisal is an independent third party's opinion of your house's price -- not just how much your house is worth. Potential buyers know you have an emotional attachment to your house and will be much more likely to give credibility to a professional appraiser's value opinion than yours.

Need to remove PMI?

Getting the PMI (Private Mortgage Insurance) eliminated from your mortgage loan is a preferred way to cut costs for homeowners. Once your mortgage loan amount is less than 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. We are veterans in helping people just like you abolish undesirable PMI insurance.

Challenge property tax assessments

Lets say you live in a region that is going down -- your local tax assessor may have your house overvalued. That means you're probably paying more taxes than you should. Since your property assessment may likely go up again in the next period, the earlier you take care of things like this, the better. When contesting your property tax assessment, getting an appraisal from GARCOM Appraisals is your number one weapon.

HELOC recently frozen?

If your home is in a declining area, your lender just may make the decision to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can be be unfavorable to your credit score since it may appear as though that credit line is maxed out, and also difficult and inconvenient from a cash flow angle. GARCOM Appraisals can help you reinstate your HELOC.

We Also Offer Field and Desktop Appraisal Review Services

Have you just been given a copy of your appraisal and you would wish to have a seasoned expert double-check it for precision or do you need a second opinion without the cost and delay of waiting for a whole new appraisal? In a field review we will go out and check the subject and comparables. If you need it in a rush, we'll 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 a retrospective review of any appraisal report you may have had done before. While usually requested by banks, you may wish to employ this service if you suspect mortgage fraud related to your home.