Appraisal services for Oak Ridge and Roane County homeowners

See the top seven reasons TN homeowners hire Brown Appraisal Services:

To get a pre-listing appraisal (whether you're using an agent or selling the home on your own)
Challenge a property tax assessment
To reduce a monthly mortgage payment by removing PMI
Reinstate your Home Equity Line of Credit (or HELOC)
Review another appraiser's report for verification
If property needs to be divided because of a divorce
Determine the true market value of real estate in question to settle an estate in Roane county or TN

Own a house in or near Oak Ridge, TN and need help deciding the value of it?
Contact Brown Appraisal Services.

At Brown Appraisal Services, we understand the special needs of a homeowner seeking appraisal services. While our typical business clients understand the appraisal process and standard reporting formats, you as a consumer will get an extra level of customer service in the form of an explanation of the process and even special consumer-friendly reporting forms if the assignment allows for them.

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

It's very hard to be objective about your own home because of your emotional attachment to it. The professional appraisers at Brown Appraisal Services 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 home will attract many interested buyers, a professional appraisal is a very valuable negotiating tool once you have a potential buyer. The appraisal is something concrete to show the buyer. An appraisal is an independent third party's opinion of your property's value -- not just how much your house is worth. Potential buyers know you have an emotional attachment to your home and will be more likely to give credibility to a seasoned appraiser's value judgement than yours.

Appraisals to cancel PMI

PMI stands for Private Mortgage Insurance. An attractive way to cut expenses for homeowners is to get the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. Your monthly payments will go down once your mortgage loan is below 80% of the value of your house. In most cases you can apply to a lender to have the PMI removed from your loan. At Brown Appraisal Services, we're seasoned in helping clients just like you do away with unwanted and unneeded PMI insurance.

Challenging property tax assessments

Your local tax assessor may have your home overvalued if your home is not appreciating as much as other homes close by. That only means you're paying more taxes than you should. Since your property assessment may likely go up again in the next period, the sooner you take care of a matter like this, the better. When challenging your property tax assessment, getting a professional appraisal from Brown Appraisal Services is your best weapon.

Was your HELOC recently frozen?

Even if your specific property has not declined in value, your lender just may make the decision to automatically freeze your home equity line of credit (HELOC) if your house is in or near a declining area. This can this be troublesome from a cash flow angle, and destructive to your credit score since it may appear as though that credit line is maxed out. Brown Appraisal Services can provide you with a professional appraisal to help you reinstate your HELOC.

Need Field and Desktop Appraisal Review Services?

Do you need a seasoned professional to double-check your appraisal for verity, or do you desire a second opinion without the charge and delay of waiting for a whole new appraisal? An appraiser from Brown Appraisal Services can go out and check the subject and comps in question in a field review. Or, if you need it immediately, 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.

Need a retrospective review of an appraisal report? We can We can assist you Even though this is typically requested by banks, you may wish to exercise this service if you suspect mortgage fraud related to your property.