Why you should get an appraisal from Integrated AssetsEach year, thousands of people in Tennessee purchase, sell or refinance their home. Most of these transactions consist of a simple line item for an appraisal. While there are an increasing number of automated home valuation methods that may appear more cost-effective than an appraisal, most lenders still call for a local expert because the stakes are incredibly high. Is getting a mortgage the only reason you should get an appraisal? Are there additional cases when the services of a certified, independent real estate professional could be helpful? Of course. 
Contest your tax assessment in Shelby CountyIf you reside in an area where the property value has depreciated, it's possible you're paying too much in property taxes. When building your case, an appraisal from us is your best evidence. We can assist you in challenging your tax assessment. Removing PMI for mortgage paymentsWhen the amount being loaned to the homebuyeris more than 80% of the actual value of the real estate, many lenders ask home owners to take out this extra insurance plan. That policy is Private Mortgage Insurance, or PMI. This added payment is often folded into the monthly mortgage payment and is soon forgotten. This is unfavorable because PMI becomes unnecessary when the remainder of the loan - whether through market appreciation or principal pay down - goes below the 80% mark. In fact, the United States Congress passed a law in 1998 (the Homeowners Protection Act of 1998) requiring lenders to do away with the PMI payments when the loan-to-value ratio conditions have been met. Integrated Assets can give you a statement regarding the value of your home, and the expense of the appraisal can often be recovered in little time because you'll no longer be paying the PMI. Order an appraisal from Integrated Assets Order onlineDivorce settlement with less stressA divorce can be a particularly traumatic event for both parties, and it is often further complicated by the challenging decision of who maintains the home. It's a good idea to order an appraisal from Integrated Assets so both parties are completely aware of the true market value of their property, regardless of the circumstances. The parties will have a clearer picture of what price to set, if they need to sell the home. And on the flip side, if a "buyout" is the chosen option, both parties will feel like they've gotten a fair evaluation. Ascertain an accurate and fair valuation for estate liquidationLosing a loved one is a difficult time in life, and settling an estate from a death, or probate, often entails an appraisal to establish Fair Market Value for the real estate involved. We ensure the maximum degree of discretion, as we're bound with confidentiality by the ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP). Unlike wealthier individuals, most Americans don't have dedicated estate planners or executors to handle these affairs. And since a home or other property often makes up a disproportionate share of the total estate value, understanding the true value of the real estate at hand is of significant importance to ensuring disputing parties walk away knowing they've received an honest deal. Relocate to or from Shelby County through an employee relocation programWe know the stress involved with an employee relocation. That being said, we take great care in organizing an accommodating appointment time for the appraisal inspection. During our detailed inspection, we suggest relocating employees to provide feedback on the positive characteristics of their property, as well as information regarding any new sales or listings in their neighborhood that they want considered. Sell your home promptly — for an accurate priceA professional appraisal will help you make a more informed decision when determining your selling 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, apart from real estate agents. Our fees aren't related to the sales price, but rather they are calculated on our efforts to complete the appraisal report. On a daily basis, we analyze the difference in value things like an additional bathroom or a kitchen remodel can make. Getting a professional appraisal is a trusted way to decide what improvements will add value and what an applicable 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 properties stay on the market. 
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