Attention homeowners in Jackson and Madison County: Need an appraisal?

Check out the top 7 reasons why TN homeowners use Speight & Associates L.L.C.:

  1. Get a pre-listing appraisal (whether they're selling the home themselves or using an agent)
  2. To challenge a TN property tax assessment
  3. To lower your 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, when property needs to be divided
  7. To determine the true market value of property in question to settle an estate

Do you own a home in or near Jackson? Do you need help determining the price of your real estate?
Contact Speight & Associates L.L.C..

We at Speight & Associates L.L.C. understand the special needs of a customer after appraisal services. While our typical business 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

Since you have an emotional attachment to your own home, it's often very hard to be objective about it. Our professional appraisers at Speight & Associates L.L.C. are objective. We won't just tell you what you want to hear, we'll tell you what you need to know. A professional appraisal is a very valuable negotiating tool once you have an attainable buyer, in addition to helping you set a realistic price to sell at so your home will attract many interested buyers. The appraisal is something concrete to show your buyer. It's an independent third party's opinion of your property's price, and not just you saying how much your home is worth. Interested buyers know that you have an emotional attachment to your house and will be much more likely to give credibility to an experienced appraiser's value judgement than yours.

Appraisals to remove PMI

PMI stands for Private Mortgage Insurance. A preferred money saver for homeowners is getting the PMI removed from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan amount is below 80% of the value of your home, in most cases you can apply to a lender to have the PMI removed from your loan, which will make your monthly payments go down. We are experts in helping people just like you get rid of unnecessary PMI insurance.

Challenging a property tax assessment

If you live in a region that is declining or not appreciating as much as other houses nearby, your local tax assessor may have your home overvalued. This only means you are most likely paying higher taxes than you should be paying. The sooner you take care of things like this, the better, since your property assessment may likely go up again in the next period. When contesting your property tax assessment, getting an appraisal report from Speight & Associates L.L.C. is your number one weapon.

Recently got a freeze your HELOC?

Your lender just may decide to automatically freeze your home equity line of credit (HELOC) if your property is close to a declining area -- even if your specific property has not declined in value. This can be be unfavorable to your credit score since it may appear as though that credit line is maxed out, and also troublesome from a cash flow angle. Speight & Associates L.L.C. can provide you with an expert appraisal that will help you reinstate your HELOC.

Need Field and Desktop Appraisal Review Services?

Have you just been handed a copy of your appraisal and you'd like 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? An appraiser from Speight & Associates L.L.C. can go out and check the subject and comps in a field review. Or, if you need it in a rush, we can provide you with a 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? Speight & Associates L.L.C. can We can assist you. Even though this is usually requested by banks, you may need to take advantage of this service if you suspect mortgage fraud related to your property.