Reasons to order an appraisal from Integrated AssetsEach year, thousands of people in Tennessee buy, sell or refinance their home. A lot of these transactions have a simple line item for an appraisal. Nearly all lenders still need a local expert because the stakes are incredibly high, even though there are a developing number of automated home valuation methods that might appear to be cheaper than an appraisal. Is getting a mortgage the only reason to get an appraisal? Are there also cases when the services of a licensed, independent real estate professional could be helpful? Of course. 
Challenge your tax assessment in Shelby CountyIf you reside in an area where property values have declined, it's possible you're paying too much in property taxes. An appraisal from Integrated Assets is your best evidence when building your case. At Integrated Assets, we're equipped to assist you in disputing your tax assessment. Removing PMI for mortgage paymentsWhen the amount being loaned to the homeowneris more than 80% of the actual value of the property, nearly all lenders ask buyers to take out this added insurance plan. That policy is Private Mortgage Insurance, or PMI. Oftentimes, this additional payment is lumped into the monthly mortgage payment and is soon forgotten. PMI isn't required when the remainder of the loan - whether through market appreciation or principal pay down - goes below the 80% level, making this very unfavorable. In fact, the Homeowners Protection Act (HPA) of 1998 was passed by the United States Congress requiring lenders to remove the PMI payments when the loan-to-value ratio conditions have been met. If you'd like to do away with PMI, Integrated Assets can produce a statement regarding the value of your home. The price you paid for the appraisal can often be regained in a short amount of time because you'll no longer be paying the PMI. Order an appraisal from Integrated Assets Order todayDivorce settlement with less stressA divorce is often complicated by the hard decision of who maintains the home, and it can be a particularly traumatic experience for both parties. It's a good idea to get an appraisal from Integrated Assets so both parties are entirely aware of the true market value of their house, regardless of the situation. The parties will have a good idea of what price to set, if they need to sell the home. And if a "buyout" is the chosen option, both parties will feel like they've received a fair evaluation. Fair and accurate estate liquidationLosing 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 real estate involved. The ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP) binds us with confidentiality, guaranteeing the maximum degree of discretion. Most Americans do not have dedicated estate planners or executors to manage these issues, unlike many wealthy individuals. A home or other property often makes up an unequal 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 received an honest deal. Move 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 establishing a convenient appointment time for the appraisal inspection. During our thorough inspection, we suggest relocating employees to provide feedback on the positive features of their property, along with information regarding any new sales or listings in their neighborhood that they want considered. Sell your home quickly — at the right priceWhether you choose to sell your home on your own or use the assistance of a real estate agent, a professional appraisal will help you make a better educated decision when determining your selling price. Unlike a real estate agent, an appraiser has no vested interest in what amount the house sells for. Our fees aren't related to the sales price, but rather they are based on our efforts to complete the appraisal report. We analyze the difference in value items like an additional bathroom or a kitchen remodel can make on a daily basis. Getting a professional appraisal is a reliable way to decide what improvements will add value and what a suitable 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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