Appraisal services for Cleveland and Bradley County homeowners
The top seven reasons why Tennessee homeowners need Cleveland Appraisal Services & Home Inspections:
We at Cleveland Appraisal Services & Home Inspections understand the particular needs of a consumer in need of appraisal services. Our customary business clients understand the appraisal process and the usual "products" we deliver to them. But as a consumer, you'll receive extra guidance and explanations through the appraisal process to more clearly understand what we do and how we present the results of our analysis.
Pre-listing Services/For Sale by OwnerSince you have an emotional attachment to your own house, it's often very hard to be objective about it. A professional appraiser is objective and will tell you what you need to know, not just what you want to hear. A professional appraisal is very crucial as a negotiating tool once you have a potential buyer, in addition to helping you set a realistic selling price so your property will attract many interested buyers. It's something tangible to show the buyer. It's an independent third party's opinion of your house's value, and not just you saying how much you think your home is worth. Interested buyers assume you have an emotional attachment to your home and will be more likely to give credibility to an expert appraiser's value report than yours.
Challenging Bradley County's assessment of your propertyLet's say your house is not appreciating as much as other houses close by -- your local tax assessor may have your home overvalued. This means you're probably paying higher taxes than you should be paying. The faster you take care of things like this, the better, since your property assessment may likely go up again in the next period. When contesting your property tax assessment, getting an appraisal from Cleveland Appraisal Services & Home Inspections is your strongest weapon.
PMI Removal AppraisalsA popular money saver for homeowners is getting the PMI removed from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Your monthly payments will go down once your mortgage loan amount is less than 80% of the value of your house. In most cases you can apply to a lender to have the PMI eliminated from your loan. We are experts in helping folks just like you abolish unneeded and unwanted PMI insurance.
HELOC recently frozen?Even if your specific property has not declined in value, your lender may just choose to automatically freeze your home equity line of credit (HELOC) if your home is near a declining area. Not only can this be disadvantageous from a cash flow angle, but it can be bad for your credit score since it may appear as though that credit line is maxed out. Cleveland Appraisal Services & Home Inspections can help you reinstate your HELOC.
Do You Need Field and Desktop Appraisal Review Services?Would you wish a second opinion without the added cost and delay of waiting for a whole new appraisal? Or do you desire a professional to double-check your appraisal for efficiency? In a field review we'll go out and check the subject and comps in question. 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.
Do you need a retrospective review of an appraisal? We can help with that too. Even though most appraisal reviews are requested by lenders, homeowners suspecting they've been the victim of mortgage fraud are wise to invest in a second opinion.