Attention homeowners in Columbia and Maury County: Get an Appraisal today!

See the top seven reasons why TN homeowners order from Harding Appraisals:

  1. To get a pre-listing appraisal (whether they're selling the home themselves or using a real estate agent)
  2. Challenge a property tax assessment
  3. Remove PMI to cut their mortgage payments
  4. To reinstate their Home Equity Line of Credit (or HELOC)
  5. Review a different appraiser's report for verification
  6. In the case of a TN divorce, when real estate property needs to be divided
  7. To settle an estate in TN by determining the true market value of real estate in question

Own a house in or near Columbia, TN and need help determining the price of it?
Contact Harding Appraisals.

At Harding Appraisals, 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 an extra level of customer 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 (FSBO)

Since you have an emotional attachment to your own house, it's often very hard to be objective about it. A professional appraiser is objective and 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 potential buyer, in addition to helping you set a realistic selling price so your house will attract many interested buyers. It's something concrete to show your buyer. The appraisal is an independent third party's opinion of your property's value, not just how much your home 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 accomplished appraiser's value report than yours.

Appraisals to remove PMI

Getting the PMI (Private Mortgage Insurance) removed from your mortgage loan is a preferred money saver for homeowners. Your monthly payments will go down once your mortgage loan amount is down below 80% of the value of your home. In most cases you can apply to the lender to have the PMI eliminated from your loan. We're experts in helping people just like you abolish unnecessary PMI insurance.

Challenge property tax assessments

Lets say you live in an area that's declining -- your local tax assessor may have your house overvalued. That only means you are probably paying more taxes than you should. Since your property assessment may likely go up again in the next period, the sooner you take care of things like this, the better. When challenging your property tax assessment, getting an appraisal from Harding Appraisals is your #1 weapon.

HELOC recently frozen?

If your property is in a declining area, your lender just may choose to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. Not only can this be troublesome from a cash flow viewpoint, but it can be unfavorable to your credit score since it may appear as though that credit line is maxed out. An efficient appraisal from Harding Appraisals can help you reinstate your HELOC.

Do You Need Field and Desktop Appraisal Review Services?

Have you just been given a copy of your appraisal and you would wish to have a seasoned appraiser double-check it for accuracy 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 comps. Or, if you need it immediately, we can provide 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? Harding Appraisals can help you with that. While usually requested by banks, you may wish to use this service if you suspect mortgage fraud related to your house.