Reasons to get an appraisal from Integrated AssetsThousands of people in Tennessee buy, sell or refinance their home each month. Most of these transactions contain a simple line item for an appraisal. And while there are a budding number of automated home valuation systems that may seem more practical than an appraisal, almost all lenders still want a local expert because the stakes are incredibly high. You might believe that obtaining a mortgage is the only reason to get an appraisal, but there are additional cases when the services of a licensed, independent real estate professional might be beneficial. 
Challenge your tax assessment in Shelby CountyIt's likely you're paying too much in property taxes if you reside in an area where property values have depreciated. Ad Valorem taxes are based upon a previous assessment of your house, so if values are less than what they used to be in your neighborhood, you can appeal your assessment and save money. When building your case, an appraisal from us is your best evidence. We can assist you in challenging your tax assessment. Get rid of PMI to lower your mortgage paymentPrivate Mortgage Insurance, or PMI, is an additional insurance policy that most lenders ask homeowners to buy when the amount being loaned to the homeowner is more than 80% of the actual value of the property. Most often, this added payment is bundled into the monthly mortgage payment and is soon forgotten. PMI is unnecessary when the remainder of the loan - whether through market appreciation or principal pay down - goes below the 80% level, making this very unfortunate. In fact, the Homeowners Protection Act (HPA) of 1998 was invoked by the United States Congress requiring lenders to eliminate the PMI payments when the loan-to-value ratio conditions have been met. If you'd like to get rid of PMI, Integrated Assets will produce a statement regarding the value of your home. The price you paid for the home valuation can often be regained in just a few months because you'll no longer be paying the PMI. Order an appraisal from Integrated Assets Order onlineDivorce settlement with less stressA divorce can be an especially daunting ordeal for both parties, and it is often more complicated by the burdensome decision of who maintains the property. So both parties are completely aware of the true market value of their house, it's a good idea to order an appraisal from Integrated Assets, regardless of the circumstances. If the parties need to sell the home, they'll have a a good idea of what price to set. And on the flip side, if a "buyout" is the chosen option, both parties will feel like they've received a fair assessment. Ascertain an accurate and fair valuation for estate liquidationThe death of a loved one is a hard time in life, and settling an estate from a death, or probate, often entails an appraisal to establish Fair Market Value for the residential property involved. We ensure the highest degree of discretion, as we're bound with confidentiality by the ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP). Most Americans don't have dedicated estate planners or executors to manage these matters, unlike wealthier individuals. A home or other property often makes up an uneven share of the total estate value, so understanding the true worth of the real estate at hand is of vital importance to ensuring disputing parties walk away knowing they've gotten a fair deal. Move to or from Shelby County through an employee relocation programWe know the stress associated with an employee relocation. That being said, we take great care in setting up a convenient appointment time for the appraisal inspection. During our thorough inspection, we suggest relocating employees to provide remarks on the positive attributes of their property, as well as information regarding any current sales or listings in their neighborhood that they want considered. Close on your home quickly — for an accurate priceA professional appraisal will help you make a better educated decision when determining your asking price, whether you choose to sell your home on your own or with the help of a real estate agent. An appraiser has no vested interest in what amount the house sells for, unlike real estate agents. Our fees are based on our efforts to complete the appraisal report and not a percentage of the sales price. We determine the difference in value things like an additional bathroom or a kitchen remodel can make on a daily basis. Obtaining a professional appraisal is a reliable way to decide what improvements will add value and what an appropriate sales price is for your home so you don't come up short or have your house on the market an unnecessarily long time, because we're experts in knowing how long houses stay on the market. 
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