Attention homeowners: Real estate appraisal services for in Franklin and Williamson County
See the top seven reasons Tennessee homeowners order from The Caldwell Group:
- Get a pre-listing appraisal (whether they're selling the home themselves or using an agent)
- Challenge property tax assessments
Remove PMI to reduce a monthly mortgage payment
To reinstate your Home Equity Line of Credit (or HELOC)
Review another appraiser's report for verification
In the case of a divorce in the state of Tennessee, where real estate needs to be divided
To settle an estate in Tennessee by determining the true market value of the real estate in question
At The Caldwell Group, we understand the particular needs of a consumer after appraisal services.
Our usual business clients understand the appraisal process and the standard documents we provide. But as a consumer, we'll be sure you get extra guidance and explanations through the appraisal process to more clearly understand what we do and how we document our findings.
For-Sale-by-Owner (FSBO) / Pre-Listing Services
Since you have an emotional attachment to your own home, it's often very hard to be objective about it.
Professional appraisers, like the ones at The Caldwell Group, will be objective. We will tell you what you need to know, not just what you want to hear.
In addition to helping you set a realistic selling price so your house will attract interested buyers, a professional appraisal is very crucial as a negotiating tool once you have an attainable buyer.
It gives you something concrete to show your buyer.
An appraisal is an independent third party's opinion of your home's value -- not just you saying how much you think your house is worth.
Interested buyers assume you have an emotional attachment to your home and will be far more likely to give credibility to an expert appraiser's value assessment than yours.
Challenging property tax assessments
Your local tax assessor may have your house overvalued if you live in a local area that's declining.
This only means you're paying higher taxes than you should be paying.
The faster 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 expert appraisal from The Caldwell Group is your chief weapon when contesting your property tax assessment.
Appraisals to cancel PMI
PMI stands for Private Mortgage Insurance. A preferred way to cut costs for homeowners is to get the PMI removed from their mortgage loan, thus saving them money on their monthly payments.
Once your mortgage loan is less than 80% of the value of your home, 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.
We are experienced in helping clients just like you delete unwanted and unneeded PMI insurance.
Was your HELOC recently frozen?
Your lender may just choose to automatically freeze your home equity line of credit (HELOC) if your house is in or near a declining area -- even if your specific property has not declined in value.
This can be damaging to your credit score since it may appear as though that credit line is maxed out, and also inopportune from a cash flow standpoint.
The Caldwell Group can help you reinstate your HELOC.
We Provide Field and Desktop Appraisal Review Services
Do you need a seasoned appraiser to double-check your appraisal for accuracy, or do you need a second opinion without the expense and delay of waiting for a whole new appraisal?
The Caldwell Group offers field reviews where we'll go out and check the subject and comparables.
Or, if you need it ASAP, 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 you with a retrospective review of any appraisal report you may have had done before.
Although most appraisal reviews are commissioned by lenders, homeowners suspecting a prior appraisal wasn't above board are prudent to get a second opinion.