Attention homeowners in Chattanooga and Hamilton County: Need an appraisal?

Here are the top seven reasons TN homeowners hire Heckaman Appraisal Firm:

  1. To get a pre-listing appraisal (whether you're using an agent or selling the home on your own)
  2. Challenge property tax assessments
  3. Remove PMI to cut your mortgage payments
  4. Reinstate their Home Equity Line of Credit (HELOC)
  5. Verify another appraiser's report
  6. If real estate property needs to be divided because of a divorce
  7. Settle an estate in TN by determining the true market value of property in question

Do you own a house in or near Chattanooga? Do you need help determining the price of your real estate?
Contact Heckaman Appraisal Firm.

We at Heckaman Appraisal Firm understand the special needs of a homeowner looking for appraisal services. Our customary business clients are used to the appraisal process and the standard "products" we deliver to them. As our valued client, you will receive extra guidance and explanations through the appraisal process to better understand what we do and how we document the results of our analysis.

Pre-listing Services/For Sale By Owner

It's very hard to be objective about your house because of your emotional attachment to it. Our professional appraisers at Heckaman Appraisal Firm 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 house will attract buyers, a professional appraisal is very valuable as a negotiating tool once you have an attainable buyer. The appraisal is something tangible to show your buyer. The appraisal is an independent third party's opinion of your home's price, not just you saying how much your house is worth. Potential buyers know that you have an emotional attachment to your house and will be more likely to give credibility to a professional appraiser's value judgement than yours.

Appraisals to cancel 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. Once your mortgage loan amount is below 80% of the value of your house, in most cases you can apply to your lender to have the PMI canceled from your loan, which will make your monthly payments go down. At Heckaman Appraisal Firm, we're seasoned in helping people just like you abolish unneeded and unwanted PMI insurance.

Challenge property tax assessments

Your local tax assessor may have your house overvalued if you live in a region that is declining or not appreciating as much as other houses nearby. This means you are probably paying higher taxes than you should be paying. The quicker 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. When contesting your property tax assessment, getting an appraisal from Heckaman Appraisal Firm is your number one weapon.

Was your HELOC recently frozen?

Even if your specific property has not declined in value, your lender may just decide to automatically freeze your home equity line of credit (HELOC) if your house is in or near a declining area. This can be be negative on your credit score since it may appear as though that credit line is maxed out, and also annoying from a cash flow standpoint. Heckaman Appraisal Firm can help you reinstate your HELOC.

Need Field and Desktop Appraisal Review Services?

Have you just accepted a copy of your appraisal and you would prefer to have a seasoned expert double-check it for accuracy or do you desire a second opinion without the charge and delay of waiting for a whole new appraisal? We can go out and check the subject and comparables in a field review. If you're 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.

We can also provide a retrospective review of any appraisal report you may have had done before. While typically requested by banks, you may want to exploit this service if you suspect mortgage fraud related to your house.