Attention homeowners: Real estate appraisal services for in HUMBOLDT and Gibson County

Here are the top seven reasons why TN homeowners call on Tim Pritchard:

Pre-listing appraisals (whether you're using an agent or selling the home on your own)
Challenge a property tax assessment
Remove PMI to cut your monthly mortgage payment
Reinstate their Home Equity Line of Credit (HELOC)
Review another appraiser's report for verification
In the case of a TN divorce, when real estate property needs to be divided
Determine the true market value of real estate in question to settle an estate in Gibson county or TN

Own a home in or near HUMBOLDT, TN and need help deciding the value of it?
Contact Tim Pritchard.

We at Tim Pritchard understand the special needs of a homeowner looking for appraisal services. Our business practices and reporting formats are familiar to our business clients like banks, lawyers, and accountants. But as a general consumer,you will receive extra guidance and explanations through the appraisal process to more clearly understand what we do and how we report our conclusions.

For-Sale-By-Owner (FSBO) / Pre-Listing Services

It's very hard to be objective about your own home because you probably have an emotional attachment to it. The professional appraisers at Tim Pritchard will tell you what you need to know -- not just what you want to hear. We are objective. In addition to helping you set a realistic price to sell at so your house will attract many interested buyers, a professional appraisal is a very valuable negotiating tool once you have an interested buyer. It gives you something tangible to show your buyer. The appraisal is an independent third party's opinion of your house's price, not just you saying how much your house is worth. Interested buyers know you have an emotional attachment to your house and will be much more likely to give credibility to an experienced appraiser's value estimation than yours.

PMI Removal Appraisals

Getting the PMI (Private Mortgage Insurance) eliminated from your mortgage loan is a popular way to save money for homeowners. Once your mortgage loan is down below 80% of the value of your house, in most cases you can apply to your lender to have the PMI eliminated from your loan, which will make your monthly payments go down. We're experts in helping people just like you dismiss unneeded PMI insurance.

Challenge Tax Assessment

If you live in an area that is declining or not appreciating as much as other properties nearby, your local tax assessor may have your home overvalued. That means you're most likely paying more taxes than you should. Since your property assessment may likely go up again in the next period, the faster you take care of things like this, the better. An appraisal report from Tim Pritchard is your chief weapon when challenging your property tax assessment.

HELOC recently frozen?

If your home is in a declining area, your lender just might decide 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 and inconvenient from a cash flow standpoint, and damaging to your credit score since it may appear as though that credit line is maxed out. Tim Pritchard can help you reinstate your home equity line of credit with an expert appraisal.

Do You Need Field and Desktop Appraisal Review Services?

Have you just gotten a copy of your appraisal and you would wish to have an expert double-check it for accuracy or do you want a second opinion without the expense and delay of waiting for a whole new appraisal? Tim Pritchard offers field reviews where we go out and check the subject and comps. Or, if you're in a hurry, 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 a retrospective review of any appraisal you may have had done before. While typically requested by banks, you may need to exploit this service if you suspect mortgage fraud related to your home.