Attention homeowners in Nashville and Davidson County: Need an appraisal?

Here are the top 7 reasons why TN homeowners order from James Appraisal Associates:

  1. Pre-listing appraisals (whether you're using an agent or selling the home on your own)
  2. Challenge Davidson county's assessment of your property
  3. To reduce a monthly mortgage payment by removing PMI
  4. Reinstate your Home Equity Line of Credit (or HELOC)
  5. Review a different appraiser's report for verification
  6. In the case of a TN divorce, where property needs to be divided
  7. Settle an estate in TN by determining the true market value of real estate in question

Need help deciding the price of your house in or near Nashville, TN?
Contact James Appraisal Associates.

At James Appraisal Associates, we understand the unique needs of a consumer seeking appraisal services. While our typical clients understand the appraisal process and standard reporting formats, you as a consumer will get extra 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 Services

It's very hard to be objective about your own house because you most likely have an emotional attachment to 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 very crucial as a negotiating tool once you have an interested buyer, in addition to helping you set a realistic price to sell at so your house will attract buyers. It gives you something tangible to show the buyer. An appraisal is an independent third party's opinion of your property's price -- not just you saying how much you think your home is worth. Potential buyers know that you have an emotional attachment to your home and will be more likely to give credibility to a qualified appraiser's value judgement than yours.

Appraisals to cancel PMI

A preferred way to cut expenses for homeowners is to get the PMI removed 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 house. In most cases you can apply to a lender to have the PMI eliminated from your loan. We're experienced in helping consumers just like you get rid of unwanted and unneeded PMI insurance.

Challenging a property tax assessment

Your local tax assessor may have your house overvalued if you live in a region that's going down or is not appreciating as much as other houses close to yours. This means you are most likely paying higher taxes than you should be paying. The quicker you take care of a matter like this, the better off you'll be, since your property assessment may likely go up again in the next period. When challenging your property tax assessment, getting a professional appraisal from James Appraisal Associates is your strongest weapon.

HELOC recently frozen?

Your lender might just choose to automatically freeze your home equity line of credit (HELOC) if your home is in a declining area -- even if your specific property has not declined in value. Not only can this be difficult and inconvenient from a cash flow angle, but it can be destructive to your credit score since it may appear as though that credit line is maxed out. James Appraisal Associates can help you reinstate your home equity line of credit with an expert appraisal.

Need Field and Desktop Appraisal Review Services?

Have you just been given a copy of your appraisal and you'd wish to have a seasoned professional double-check it for preciseness or do you desire a second opinion without the added expense and delay of waiting for a whole new appraisal? We can go out and check the subject and comparables in question 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.

We can also provide you with a a retrospective review of any appraisal you may have in your possession. While typically requested by banks, you may wish to utilize this service if you suspect mortgage fraud related to your house.