Attention homeowners: Real estate appraisal services for in Cookeville and Putnam County

The top 7 reasons TN homeowners use Harris Appraisal:

To get a pre-listing appraisal (whether you're using an agent or selling the home on your own)
Challenge a property tax assessment
To lower their mortgage payments by removing PMI
Reinstate their Home Equity Line of Credit (or HELOC)
Review another appraiser's report for verification
In the case of a TN divorce, where real estate needs to be divided
Determine the true market value of property in question to settle an estate in Putnam county or TN

Own a home in or near Cookeville, TN and need help deciding the price of it?
Contact Harris Appraisal.

At Harris Appraisal, we understand the individual needs of a customer in need of 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.

Pre-listing Services/For Sale By Owner

Since you have an emotional attachment to your own house, it's often very hard to be objective about it. Professional appraisers, like the ones at Harris Appraisal, will be 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 property will attract interested buyers, a professional appraisal is a very valuable negotiating tool once you have a likely buyer. It gives you something tangible to show the buyer. An appraisal is an independent third party's opinion of your home's price -- not just you saying how much your house is worth. Interested buyers know that you have an emotional attachment to your house and will be much more likely to give credibility to an experienced appraiser's value report than yours.

Appraisals to remove PMI

PMI stands for Private Mortgage Insurance. A preferred way to save money for homeowners is to get the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan is down below 80% of the value of your property, in most cases you can apply to your lender to have the PMI eliminated from your loan, which will make your monthly payments go down. We are qualified in helping homeowners just like you abolish unnecessary PMI insurance.

Challenging Putnam county's assessment of your property

Lets say your home is not appreciating as much as other homes close by -- your local tax assessor may have your house overvalued. This only means you are going to pay higher taxes than you should be paying. The earlier you take care of things like this, the better, since your property assessment may likely go up again in the next period. Getting a professional appraisal from Harris Appraisal is your strongest weapon when challenging your property tax assessment.

HELOC recently frozen?

Your lender just may decide to automatically freeze your home equity line of credit (HELOC) if your house is close to a declining area -- even if your specific property has not declined in value. This can be be harmful to your credit score since it may appear as though that credit line is maxed out, and also inconvenient from a cash flow point of view. An appraisal from Harris Appraisal can help you reinstate your HELOC.

We Also Offer Field and Desktop Appraisal Review Services

Have you just received a copy of your appraisal and you would wish to have a seasoned expert double-check it for efficiency or do you need a second opinion without the added cost and delay of waiting for a whole new appraisal? In a field review we'll go out and check the subject and comparables in question. If you need it in a rush, we'll 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 report? Harris Appraisal can help with that too. Even though this is usually requested by banks, you may desire to make use of this service if you suspect mortgage fraud related to your house.