Need an appraisal in White House or Sumner County?
The top 7 reasons why Tennessee homeowners use Richardson Appraisal Service:
We at Richardson Appraisal Service understand the individual needs of a customer after appraisal services. While our typical 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.
For Sale by Owner (FSBO)/Pre-Listing ServicesIt's very hard to be objective about your own home because you most likely have an emotional attachment to it. Professional appraisers, like the ones at Richardson Appraisal Service, are 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 an interested buyer, in addition to helping you set a realistic selling price so your home will attract many interested buyers. It gives you something tangible to show the buyer. The appraisal is an independent third party's opinion of your home's market 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 more likely to give credibility to an experienced appraiser's value judgement than yours.
Challenge Tax AssessmentLet's say you live in an area that's going down -- your local tax assessor may have your house overvalued. That only means you are probably paying more taxes than you should. The earlier 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 an appraisal report from Richardson Appraisal Service is your chief weapon when challenging your property tax assessment.
PMI Removal AppraisalsPMI stands for Private Mortgage Insurance. A fashionable money saver for homeowners is getting the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. Your monthly payments will go down once your mortgage loan is less than 80% of the value of your home. In most cases you can apply to your lender to have the PMI removed from your loan. At Richardson Appraisal Service, we're experts in helping clients just like you get rid of undesirable PMI insurance.
HELOC recently frozen?Even if your specific property has not declined in value, your lender might make the decision to automatically freeze your home equity line of credit (HELOC) if your home is close to a declining area. Not only can this be troublesome from a cash flow point of view, but it can be bad for your credit score since it may appear as though that credit line is maxed out. Richardson Appraisal Service can help you reinstate your home equity line of credit with an expert appraisal.
Do You Need Field and Desktop Appraisal Review Services?Do you need a veteran appraiser to double-check your appraisal for efficiency, or do you need a second opinion without the added expense and delay of waiting for a whole new appraisal? Richardson Appraisal Service offers field reviews where we'll go out and check the subject and comparables in question. If you need it ASAP, we'll 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 you with a retrospective review of any appraisal report you may have in your possession. While typically requested by banks, you may desire to use this service if you suspect mortgage fraud related to your house.