Attention homeowners in the Middle Tennessee area: Get an Appraisal today!
See the top seven reasons why Tennessee homeowners need Hayes Appraisal Group, Inc.:
- Find the right listing price (whether you're using a real estate agent or selling the home on your own)
- Challenge the County's assessment of your property value
- Remove PMI to reduce your monthly mortgage payment
- Reinstate their 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 a property to settle an estate
At Hayes Appraisal Group, Inc., we understand the particular needs of a homeowner in need of appraisal services. While our typical business clients understand the appraisal process and standard reporting formats, you as a consumer will get extra service in the form of an explanation of the process and even special consumer-friendly reporting forms if the assignment allows for them.
For Sale by Owner (FSBO)/Pre-Listing ServicesSince you have an emotional attachment to your own home, it's often very hard to be objective about it. The professional appraisers at Hayes Appraisal Group, Inc. will tell you what you need to know -- not just what you want to hear. We are objective. In addition to helping you set a realistic price to sell at so your home will attract interested buyers, a professional appraisal is a very important negotiating tool once you have an interested buyer. The appraisal is something concrete to show the buyer. It's an independent third party's opinion of your house's value, and not just how much your house is worth. Potential buyers assume you have an emotional attachment to your home and will be much more likely to give credibility to a professional appraiser's value conclusion than yours.
Challenging a property tax assessmentYour local tax assessor may have your home overvalued if you live in a region that's declining. That means you are most likely paying more taxes than you should. Since your property assessment may likely go up again in the next period, the sooner you take care of a matter like this, the better off you'll be. An expert appraisal from Hayes Appraisal Group, Inc. is your #1 weapon when contesting your property tax assessment.
PMI Removal AppraisalsPMI stands for Private Mortgage Insurance. A fashionable way to cut expenses for homeowners is getting the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan is down below 80% of the value of your property, in most cases you can apply to the lender to have the PMI eliminated from your loan, which will make your monthly payments go down. We are experienced in helping consumers just like you do away with undesirable PMI insurance.
Recently got a freeze to your HELOC?If your house is close to a declining area, your lender just might choose to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can be unfavorable to your credit score since it may appear as though that credit line is maxed out, and also annoying from a cash flow viewpoint. Hayes Appraisal Group, Inc. can help you reinstate your home equity line of credit with a professional appraisal.