Attention homeowners in Harrogate and Claiborne County: Get an Appraisal today!

Here are the top seven reasons TN homeowners need Jeff Stephens:

Pre-listing appraisals (whether you're using an agent or selling the home on your own)
Challenge a property tax assessment
Remove PMI to cut their monthly mortgage payment
To reinstate their Home Equity Line of Credit (HELOC)
To 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 real estate in question to settle an estate

Own a home in or near Harrogate, TN and need help determining the value of it?
Contact Jeff Stephens.

We at Jeff Stephens understand the individual needs of a homeowner in need of appraisal services. Our regular business clients understand the appraisal process and the standard reporting formats. But as a general consumer,you can expect extra guidance and explanations through the appraisal process to more fully understand what we do and how we document the results of our analysis.

For-Sale-By-Owner (FSBO) / Pre-Listing Services

It's very hard to be objective about your home because of your emotional attachment to it. Professional appraisers, like the ones at Jeff Stephens, are objective. We will tell you what you need to know, not just what you want to hear. A professional appraisal is very important as a negotiating tool once you have a likely buyer, in addition to helping you set a realistic selling price so your house will attract interested buyers. The appraisal is something concrete to show your buyer. It's an independent third party's opinion of your property's value, and not just you saying how much you think your house is worth. Interested buyers know you have an emotional attachment to your house and will be far more likely to give credibility to a professional appraiser's value opinion than yours.

PMI Removal Appraisals

PMI stands for Private Mortgage Insurance. A fashionable way to save money for homeowners is getting the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan amount is down below 80% of the value of your house, in most cases you can apply to a lender to have the PMI canceled from your loan, which will make your monthly payments go down. At Jeff Stephens, we're experts in helping folks just like you get rid of unneeded and unwanted PMI insurance.

Challenge Tax Assessment

Your local tax assessor may have your home overvalued if your house is not appreciating as much as other properties close to yours. That means you are most likely paying more taxes than you should. The faster you take care of things like this, the better off you'll be, since your property assessment may likely go up again in the next period. An expert appraisal from Jeff Stephens is your #1 weapon when contesting your property tax assessment.

HELOC recently frozen?

Even if your specific property has not declined in value, your lender just might make the decision to automatically freeze your home equity line of credit (HELOC) if your property is in or near a declining area. Not only can this be troublesome from a cash flow angle, but it can be destructive to your credit score since it may appear as though that credit line is maxed out. A professional appraisal from Jeff Stephens can help you reinstate your HELOC.

Need Field and Desktop Appraisal Review Services?

Would you prefer a second opinion without the charge and delay of waiting for a whole new appraisal? Or do you desire a veteran appraiser to double-check your appraisal for precision? We can go out and check the subject and comps in a field review. Or, if you're in a rush, we can provide desk review and verify as many facts as we can using online data sources as well as our own files.

We can also provide you with a a retrospective review of any appraisal report you may have had in the past. Even though this is typically requested by banks, you may desire to employ this service if you suspect mortgage fraud related to your property.