Real estate appraisal services for homeowners in the city of Memphis and Shelby County
Here are the top seven reasons why TN homeowners need Integrated Assets:
Own a house in or near Memphis, TN and need help determining the value of it?
We at Integrated Assets understand the unique needs of a homeowner in need of appraisal services. Our regular business clients understand the appraisal process and the standard documents we provide. But as a general consumer,you'll receive extra guidance and explanations through the appraisal process to understand what we do and how we present our conclusions.
For-Sale-By-Owner (FSBO) / Pre-Listing Services
It's very hard to be objective about your home because of your emotional attachment to it. Professional appraisers, like the ones at Integrated Assets, will be objective. We'll tell you what you need to know, not just what you want to hear. A professional appraisal is very important as a negotiating tool once you have a likely buyer, in addition to helping you set a realistic selling price so your property will attract buyers. It gives you something tangible to show your buyer. The appraisal is an independent third party's opinion of your house's price, not just how much you think your house is worth. Potential buyers know you have an emotional attachment to your home and will be more likely to give credibility to an experienced appraiser's value conclusion than yours.
PMI Removal Appraisals
PMI stands for Private Mortgage Insurance. A preferred way to cut costs for homeowners is getting the PMI removed from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan amount is below 80% of the value of your home, 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. At Integrated Assets, we're veterans in helping consumers just like you remove undesirable PMI insurance.
Challenging property tax assessments
Lets say you live in an area that is going down -- your local tax assessor may have your home overvalued. That means you are probably paying more taxes than you should. Since your property assessment may likely go up again in the next period, the earlier you take care of things like this, the better. Getting an expert appraisal from Integrated Assets is your #1 weapon when challenging your property tax assessment.
HELOC recently frozen?
Even if your specific property has not declined in value, your lender just may choose to automatically freeze your home equity line of credit (HELOC) if your property is close to a declining area. This can this be disadvantageous from a cash flow viewpoint, and negative on your credit score since it may appear as though that credit line is maxed out. Integrated Assets can help you reinstate your home equity line of credit with a professional appraisal.
Need Field and Desktop Appraisal Review Services?
Have you just been handed a copy of your appraisal and you'd wish to have a seasoned expert double-check it for efficiency or do you want a second opinion without the cost and delay of waiting for a whole new appraisal? We can go out and check the subject and comps in question in a field review. 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 report? Integrated Assets can We can assist you. While usually requested by banks, you may wish to employ this service if you suspect mortgage fraud related to your house.