Appraisal services for Memphis and Shelby County homeowners
See the top seven reasons TN homeowners need Integrated Assets:
Need help determining the value of your house in or near Memphis, TN?
We at Integrated Assets understand the particular needs of a homeowner in need of appraisal services. Our business practices and reporting formats are familiar to our business clients like banks, lawyers, and accountants. Being a regular consumer that probably doesn't see an appraisal every day,you can expect extra guidance and explanations through the appraisal process to more fully understand what we do and how we report our conclusions.
Pre-listing Services/For Sale By Owner
Since 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. In addition to helping you set a realistic price to sell at so your property will attract interested buyers, a professional appraisal is a very important negotiating tool once you have a potential buyer. It's something tangible to show your buyer. The appraisal is an independent third party's opinion of your home's value, not just you saying how much you think your home is worth. Interested buyers assume that you have an emotional attachment to your house and will be much more likely to give credibility to a seasoned appraiser's value report than yours.
Need to cancel PMI?
Getting the PMI (Private Mortgage Insurance) canceled from your mortgage loan is a fashionable way to save money for homeowners. Once your mortgage loan amount is down below 80% of the value of your house, in most cases you can apply to the lender to have the PMI canceled from your loan, which will make your monthly payments go down. At Integrated Assets, we're seasoned in helping customers just like you rid yourselves of unwanted and unneeded PMI insurance.
Challenge Shelby county's assessment of your property
Your local tax assessor may have your home overvalued if you live in a local area that is declining or not appreciating as much as other houses close by. This means you are most likely paying higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the quicker you take care of a matter like this, the better. An expert appraisal from Integrated Assets is your number one weapon when contesting your property tax assessment.
HELOC recently frozen?
If your home is near a declining area, your lender just might decide to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can this be inopportune from a cash flow standpoint, and detrimental to your credit score since it may appear as though that credit line is maxed out. Integrated Assets can provide you with a professional appraisal to help you reinstate your home equity line of credit.
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 want a seasoned professional to double-check your appraisal for preciseness? Integrated Assets offers field reviews where we go out and check the subject and comps in question. Or, if you need it in a rush, we can provide 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 you may have had done before. Even though this is usually requested by banks, you may want to take advantage of this service if you suspect mortgage fraud related to your home.