Appraisal services for Chattanooga and Hamilton County homeowners

Check out the top 7 reasons why TN homeowners need Southern Appraisal Network, Inc.:

  1. Get a pre-listing appraisal (whether you're using a real estate agent or selling the home on your own)
  2. Challenge Hamilton county's assessment of your propertyvalue
  3. Remove PMI to cut your monthly mortgage payment
  4. To reinstate your Home Equity Line of Credit (HELOC)
  5. To review another appraiser's report for verification
  6. If real estate needs to be divided because of a divorce
  7. To determine the true market value of property in question to settle an estate

Need help deciding the price of your house in or near Chattanooga, TN?
Contact Southern Appraisal Network, Inc..

We at Southern Appraisal Network, Inc. understand the particular needs of a consumer looking for appraisal services. While our usual 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/Pre-Listing Services

It's very hard to be objective about your house because of your emotional attachment to it. Professional appraisers, like the ones at Southern Appraisal Network, Inc., are objective. We'll 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 many interested buyers, a professional appraisal is very valuable as a negotiating tool once you have a likely buyer. The appraisal is something tangible to show the buyer. An appraisal is an independent third party's opinion of your house's price -- not just how much you think your house is worth. Potential buyers know that you have an emotional attachment to your house and will be far more likely to give credibility to an experienced appraiser's value judgement than yours.

Need to remove PMI?

Getting the PMI (Private Mortgage Insurance) eliminated from your mortgage loan is a preferred money saver for homeowners. Your monthly payments will go down once your mortgage loan amount is below 80% of the value of your property. In most cases you can apply to a lender to have the PMI removed from your loan. Southern Appraisal Network, Inc. is qualified in helping homeowners just like you dismiss unwanted and unneeded PMI insurance.

Challenging property tax assessments

Lets say you live in an area that's going down -- your local tax assessor may have your house overvalued. This means you're going to pay higher taxes than you should be paying. 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. When contesting your property tax assessment, getting an appraisal from Southern Appraisal Network, Inc. is your number one weapon.

Was your HELOC recently frozen?

Your lender may just decide to automatically freeze your home equity line of credit (HELOC) if your house is in a declining area -- even if your specific property has not declined in value. This can be be destructive to your credit score since it may appear as though that credit line is maxed out, and also unsuitable from a cash flow point of view. Southern Appraisal Network, Inc. can provide you with an expert appraisal that will help you reinstate your HELOC.

Do You Need Field and Desktop Appraisal Review Services?

Do you need a seasoned appraiser to double-check your appraisal for precision, or do you need a second opinion without the expense and delay of waiting for a whole new appraisal? In a field review we will go out and check the subject and comparables in question. 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.

Do you need a retrospective review of an appraisal? Southern Appraisal Network, Inc. can We can assist you. While typically requested by banks, you may wish to exploit this service if you suspect mortgage fraud related to your home.