Appraisal services for Pontotoc and Pontotoc County homeowners

See the top seven reasons why MS homeowners use Carla C. Lunn Appraisal:

Find the right listing price (whether they're selling the home themselves or using an agent)
To challenge a MS property tax assessment
To cut a mortgage payments by removing PMI
To reinstate your Home Equity Line of Credit (HELOC)
To review a different appraiser's report for verification
If property needs to be divided because of a divorce
To determine the true market value of property in question to settle an estate in Pontotoc County or the state of MS

Need help determining the price of your home in or near Pontotoc, MS?
Contact Carla C. Lunn Appraisal.

We at Carla C. Lunn Appraisal understand the unique needs of a consumer in need of appraisal services. Our usual business clients are used to the appraisal process and the standard documents we provide. As our client, we will give you extra guidance and explanations through the appraisal process to more fully understand what we do and how we report our findings.

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

It's very hard to be objective about your own home because of your emotional attachment to it. Our professional appraisers at Carla C. Lunn Appraisal 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 many interested buyers, a professional appraisal is very valuable as a negotiating tool once you have an interested buyer. It's something tangible to show your buyer. The appraisal is an independent third party's opinion of your property's price, not just how much your home is worth. Interested buyers know you have an emotional attachment to your home and will be far more likely to give credibility to a seasoned appraiser's value opinion than yours.

Appraisals to cancel PMI

Getting the PMI (Private Mortgage Insurance) eliminated from your mortgage loan is a fashionable money saver for homeowners. Once your mortgage loan is down below 80% of the value of your house, in most cases you can apply to your lender to have the PMI removed from your loan, which will make your monthly payments go down. At Carla C. Lunn Appraisal, we're veterans in helping people just like you rid themselves of unwanted and unneeded PMI insurance.

Challenging property tax assessments

Your local tax assessor may have your home overvalued if you live in an area that's going down. This means you are going to pay 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 Carla C. Lunn Appraisal is your #1 weapon.

HELOC recently frozen?

Your lender just might make the decision to automatically freeze your home equity line of credit (HELOC) if your property is close to a declining area -- even if your specific property has not declined in value. This can be be bad for your credit score since it may appear as though that credit line is maxed out, and also unsuitable from a cash flow standpoint. Carla C. Lunn Appraisal can help you reinstate your home equity line of credit with an expert appraisal.

We Also Provide Field and Desktop Appraisal Review Services

Would you like a second opinion without the cost and delay of waiting for a whole new appraisal? Or do you want a veteran appraiser to double-check your appraisal for preciseness? We can go out and check the subject and comps in a field review. If you need it in a rush, we'll provide you with a 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 you may have had in the past. While typically requested by banks, you may desire to exercise this service if you suspect mortgage fraud related to your property.