The appraisers we have provided service the majority of Lenders in the Jackson, MS metro area. These professional real estate appraisers below will provide you with a quality appraisal report which is USPAP compliant. Whether it's for your lot purchase, construction loan or permanant financing. When you need to know the market value of real estate for buying, selling, financing, estate planning or litigation, these licensed and certified appraisers can respond in a timely manner at a competitive cost.

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Appraisal Resources Clinton, MS (601) 925-9595 Web Site	Richard Webb Brandon, MS (601) 824-9980 Web Site	Gary Carpenter Rankin County, MS (601) 260-6177 Web Site
Haddon Appraisals Brandon, MS (601) 591-5455 Web Site	Wayne Williams Madison, MS 39110 (601) 956-0490 Web Site	Kenny Adcock Jackson, MS (601) 713-0722 Web Site
John Newell Madison, MS (601) 607-4734 Web Site	John Praytor Ridgeland, MS (601) 991-3912 Web Site	Masiel Appraisals Jackson, MS (601) 982-1227 Web Site
Mike Boteler Rankin, County, MS (601) 845-2729 Web Site

Appraisers can burst your bubble
by inflating the value of your home
By Michael D. Larson• Bankrate.com

How much is your home worth? Better find out before heading to the lender's office or you might end up with a mortgage you can't afford.

The problem stems from the way the industry calculates property values. Loan originators, many paid on commission, sometimes pressure appraisers to fudge their numbers to make mortgages work, experts say. That means people who don't have a ballpark figure in mind before they borrow -- or who don't verify numbers that sound too good to be true -- could be setting themselves up for financial ruin.

"It's an acknowledged problem," says Cameron Rogers, senior vice president of Chicago Title-Market Intelligence Inc. The Hopkinton, Mass., division of Fidelity National Financial Inc. does appraisal work for lenders who outsource that step of the loan process.

"We've had some clients that are very strongly pushing on value. They may have loan processors that if the value's not there, they pick up the phone and say, 'Well, I need $5,000 more,'" he adds. "From a sales standpoint of course, you want to satisfy the applicant's desire because you're more likely going to get that person's business. But are you really doing that applicant a service by pushing it? Maybe not."

Homeowners just want the job done
Many homeowners don't think about how loans get done, just whether they're approved. But one of the most important steps, from both a consumer and lender perspective, is the property appraisal. If a property isn't worth enough to support a loan, that loan won't be made. If the value comes in high enough for a loan but not as high as a borrower expects, the borrower's financing costs will be higher. That's because the appraisal determines the mortgage's loan-to-value ratio and the higher that ratio, the more onerous the loan's terms.