Real estate appraisal services for homeowners in the city of Harrogate and Claiborne County

Here are the top seven reasons why TN homeowners hire Widener Appraisal Service:

  1. To 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 reduce a mortgage payment by removing PMI
  4. To reinstate your Home Equity Line of Credit (or HELOC)
  5. Verify a different appraiser's report
  6. In the case of a TN divorce, where real estate property needs to be divided
  7. Settle an estate in TN by determining the true market value of real estate in question

Do you own a house in or near Harrogate? Do you need help determining the price of your real estate?
Contact Widener Appraisal Service.

We at Widener Appraisal Service understand the particular needs of a customer looking for appraisal services. While our usual 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. Professional appraisers, like the ones at Widener Appraisal Service, 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 price to sell at so your house will attract interested buyers, a professional appraisal is a crucial negotiating tool once you have an interested buyer. It gives you something tangible to show the buyer. It's an independent third party's opinion of your home's price, and not just you saying how much your home is worth. Potential buyers assume that you have an emotional attachment to your house and will be much more likely to give credibility to an expert appraiser's value opinion than yours.

Appraisals to remove PMI

PMI stands for Private Mortgage Insurance. An attractive way to save money for homeowners is to get the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. 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 canceled from your loan. We are seasoned in helping homeowners just like you abolish undesirable PMI insurance.

Challenge Tax Assessment

Lets say you live in a region that's going down -- your local tax assessor may have your house overvalued. That means you are paying more taxes than you should. The earlier 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. An expert appraisal from Widener Appraisal Service is your strongest weapon when challenging your property tax assessment.

HELOC recently frozen?

If your house is near a declining area, your lender may just make the decision to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can this be difficult from a cash flow point of view, and detrimental to your credit score since it may appear as though that credit line is maxed out. A professional appraisal from Widener Appraisal Service can help you reinstate your HELOC.

We Offer Field and Desktop Appraisal Review Services

Have you just been handed a copy of your appraisal and you'd like to have a veteran appraiser double-check it for precision or do you want a second opinion without the charge and delay of waiting for a whole new appraisal? We can go out and check the subject and comparables in a field review. If you need it immediately, 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 a retrospective review of any appraisal you may have had in the past. While usually requested by banks, you may need to employ this service if you suspect mortgage fraud related to your property.