Attention homeowners in Memphis and Shelby County: Get an Appraisal today!
See the top 7 reasons TN homeowners need Integrated Assets:
Do you own a house in or near Memphis? Do you need help deciding the price of your real estate?
At Integrated Assets, we understand the special needs of a customer looking for appraisal services. While our usual clients understand the appraisal process and standard reporting formats, you as a consumer will get an extra level of customer service in the form of an explanation of the process and even special consumer-friendly reporting forms if the assignment allows for them.
Pre-listing Services/For Sale By Owner (FSBO)
Since you have an emotional attachment to your own home, 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 a very important negotiating tool once you have a likely buyer, in addition to helping you set a realistic price to sell at so your house will attract interested buyers. The appraisal is something tangible to show your buyer. An appraisal is an independent third party's opinion of your home's value -- not just you saying how much your house is worth. Interested buyers know you have an emotional attachment to your home and will be far more likely to give credibility to an accomplished appraiser's value judgement than yours.
Appraisals to cancel PMI
Getting the PMI (Private Mortgage Insurance) removed from your mortgage loan is a popular way to save money for homeowners. Your monthly payments will go down once your mortgage loan is below 80% of the value of your house. In most cases you can apply to a lender to have the PMI eliminated from your loan. Integrated Assets is experienced in helping clients just like you delete unwanted and unneeded PMI insurance.
Challenge Tax Assessment
Your local tax assessor may have your home overvalued if you live in a region that is going down or is not appreciating as much as other homes close to yours. This only means you're probably paying higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the faster you take care of a matter like this, the better. Getting an appraisal from Integrated Assets is your chief weapon when challenging your property tax assessment.
Recently got a freeze your HELOC?
Even if your specific property has not declined in value, your lender just might make the decision to automatically freeze your home equity line of credit (HELOC) if your house is near a declining area. This can be be destructive to your credit score since it may appear as though that credit line is maxed out, and also unsuitable from a cash flow point of view. Integrated Assets can help you reinstate your HELOC.
We Also Provide Field and Desktop Appraisal Review Services
Do you need a seasoned professional to double-check your appraisal for efficiency, or do you need a second opinion without the charge and delay of waiting for a whole new appraisal? We can go out and check the subject and comps in a field review. If you're in a hurry, we'll provide 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 help you with that. Even though this is usually requested by banks, you may want to employ this service if you suspect mortgage fraud related to your house.