Attention homeowners: Real estate appraisal services for in Treadway and Hancock County

The top seven reasons why Tennessee homeowners use Dalton Appraisals:

1. Get a pre-listing appraisal (whether they're selling the home themselves or using a real estate agent)
2. Challenge Hancock County's assessment of your property
3. To reduce a mortgage payments by removing PMI
4. Reinstate your Home Equity Line of Credit (HELOC)
5. Verify another appraiser's report
6. If real estate needs to be divided because of a divorce
7. Settle an estate in Tennessee by determining the true market value of real estate

	Do you own a house in or near Treadway? Do you need help determining the price of your real estate? Contact Dalton Appraisals.

We at Dalton Appraisals understand the unique needs of a homeowner in need of appraisal services. While our typical clients understand the appraisal process and standard reporting formats, you as a consumer will get extra customer 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/Pre-Listing Services

Since you have an emotional attachment to your own home, it's often very hard to be objective about it. Our professional appraisers at Dalton Appraisals 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 interested buyers, a professional appraisal is very valuable as a negotiating tool once you have a likely buyer. It gives you something tangible to show your buyer. An appraisal is an independent third party's opinion of your house's value -- not just you saying how much your house is worth. Potential buyers assume you have an emotional attachment to your home and will be more likely to give credibility to an expert appraiser's value opinion than yours.

Challenging a property tax assessment

If you live in a local area that is going down or not appreciating as much as other homes close to yours, your local tax assessor may have your house overvalued. That means you are going to pay more taxes than you should. The earlier 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. Getting an expert appraisal from Dalton Appraisals is your strongest weapon when contesting your property tax assessment.

Appraisals to remove PMI

PMI stands for Private Mortgage Insurance. An attractive way to save money for homeowners is to get the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. Your monthly payments will go down once your mortgage loan is below 80% of the value of your property. In most cases you can apply to a lender to have the PMI canceled from your loan. We're experts in helping folks just like you do away with unwanted and unneeded PMI insurance.

Was your HELOC recently frozen?

Even if your specific property has not declined in value, your lender just might choose to automatically freeze your home equity line of credit (HELOC) if your home is near a declining area. Not only can this be troublesome from a cash flow angle, but it can be detrimental to your credit score since it may appear as though that credit line is maxed out. Dalton Appraisals can help you reinstate your home equity line of credit with efficient appraisal.

We Also Provide Field and Desktop Appraisal Review Services

Would you prefer a second opinion without the cost and delay of waiting for a whole new appraisal? Or do you want a seasoned professional to double-check your appraisal for preciseness? Dalton Appraisals offers field reviews where we'll go out and check the subject and comparables. If you're in a hurry, 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? Dalton Appraisals can help you with that. While typically requested by banks, you may desire to exercise this service if you suspect mortgage fraud related to your house.