Real estate appraisal services for homeowners in the city of Kingsport and Sullivan County
Here are the top 7 reasons TN homeowners use Larkins Appraisal Services:
Own a home in or near Kingsport, TN and need help determining the price of it?
At Larkins Appraisal Services, we understand the particular needs of a customer looking for appraisal services. While our typical business 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 (FSBO) / Pre-Listing Services
It's very hard to be objective about your own home because you most likely have an emotional attachment to it. Our professional appraisers at Larkins Appraisal Services are objective. We won't just tell you what you want to hear, we'll tell you what you need to know. In addition to helping you set a realistic selling price so your property will attract many interested buyers, a professional appraisal is very valuable as a negotiating tool once you have a potential buyer. It gives you something concrete to show the buyer. An appraisal is an independent third party's opinion of your house's price -- not just how much your house is worth. Potential buyers know that you have an emotional attachment to your house and will be much more likely to give credibility to an accomplished appraiser's value assessment than yours.
Appraisals to cancel PMI
Getting the PMI (Private Mortgage Insurance) removed from your mortgage loan is a popular way to save money for homeowners. 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, which will make your monthly payments go down. Larkins Appraisal Services is veterans in helping people just like you rid yourselves of unneeded PMI insurance.
Challenge Tax Assessment
Lets say your house is not appreciating as much as other houses close to yours -- your local tax assessor may have your house overvalued. That means you're probably paying more taxes than you should. The quicker you take care of things like this, the better, since your property assessment may likely go up again in the next period. When contesting your property tax assessment, getting an appraisal report from Larkins Appraisal Services is your strongest weapon.
Was your HELOC recently frozen?
Your lender may choose to automatically freeze your home equity line of credit (HELOC) if your property is in or near a declining area -- even if your specific property has not declined in value. This can be be negative on your credit score since it may appear as though that credit line is maxed out, and also inopportune from a cash flow standpoint. A professional appraisal from Larkins Appraisal Services can help you reinstate your HELOC.
Do You Need Field and Desktop Appraisal Review Services?
Do you need an expert to double-check your appraisal for efficiency, or do you want a second opinion without the added expense and delay of waiting for a whole new appraisal? In a field review we'll go out and check the subject and comps in question. If you're in a hurry, we'll provide 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 help with that too. While typically requested by banks, you may want to exercise this service if you suspect mortgage fraud related to your property.