Need an appraisal in Gallatin or Sumner County?
Check out the top seven reasons Tennessee homeowners call on Andrews & Associates Appraisals:
At Andrews & Associates Appraisals, we understand the individual needs of a consumer seeking appraisal services. Our typical business clients are used to the appraisal process and the usual documents we provide. But as a general consumer, we will provide you with extra guidance and explanations through the appraisal process to better understand what we do and how we document the results of our analysis.
Pre-listing Services/For Sale by OwnerIt's very hard to be objective about your own home because you probably have an emotional attachment to it. Professional appraisers, like the ones at Andrews & Associates Appraisals, will be objective. We'll tell you what you need to know, not just what you want to hear. A professional appraisal is a very valuable negotiating tool once you have a likely buyer, in addition to helping you set a realistic selling price so your home will attract many interested buyers. It's something concrete to show the buyer. The appraisal is an independent third party's opinion of your home's value, not just how much your home is worth. Interested buyers assume you have an emotional attachment to your house and will be more likely to give credibility to an expert appraiser's value report than yours.
Challenging property tax assessmentsYour local tax assessor may have your home overvalued if you live in a region that's declining or not appreciating as much as other houses nearby. This only means you are paying higher taxes than you should be paying. The sooner you take care of things like this, the better off you'll be, since your property assessment may likely go up again in the next period. Getting a professional appraisal from Andrews & Associates Appraisals is your strongest weapon when contesting your property tax assessment.
PMI Removal AppraisalsAn attractive way to cut expenses for homeowners is to get the PMI eliminated 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 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. We are experts in helping people just like you do away with unwanted PMI insurance.
Recently got a freeze to your HELOC?Even if your specific property has not declined in value, your lender may make the decision to automatically freeze your home equity line of credit (HELOC) if your home is in a declining area. This can be harmful to your credit score since it may appear as though that credit line is maxed out, and also annoying from a cash flow standpoint. Andrews & Associates Appraisals can provide you with an expert appraisal to help you reinstate your HELOC.
We Offer Field and Desktop Appraisal Review ServicesDo you need a seasoned expert to double-check your appraisal for precision, or do you desire a second opinion without the expense and delay of waiting for a whole new appraisal? An appraiser from Andrews & Associates Appraisals can go out and check the subject and comparables in question in a field review. Or, if you need it ASAP, 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.
We can also provide a retrospective review of any appraisal report you may have had done before. Although most review work is requested by lenders, homeowners suspecting they've been the victim of mortgage fraud are prudent to invest in a second opinion.