Attention homeowners in Murfreesboro and Wilson County: Need an appraisal?

The top seven reasons why TN homeowners order from Spencer Creek Appraisals:

Get a pre-listing appraisal (whether they're selling the home themselves or using a real estate agent)
Challenge property tax assessments
Remove PMI to lower a mortgage payments
To reinstate your Home Equity Line of Credit (or HELOC)
To review a different appraiser's report for verification
In the case of a TN divorce, where property needs to be divided
To determine the true market value of real estate in question to settle an estate in Wilson county or TN

Own a home in or near Murfreesboro, TN and need help determining the price of it?
Contact Spencer Creek Appraisals.

At Spencer Creek Appraisals, we understand the unique needs of a homeowner seeking 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 (FSBO)

Since you have an emotional attachment to your home, it's often very hard to be objective about it. Our professional appraisers at Spencer Creek Appraisals are objective. We won't just tell you what you want to hear, we will tell you what you need to know. A professional appraisal is a very important negotiating tool once you have an interested buyer, in addition to helping you set a realistic price to sell at so your property will attract buyers. It's something concrete to show your buyer. It's an independent third party's opinion of your home's value, and not just how much you think your house is worth. Potential buyers assume that you have an emotional attachment to your house and will be far more likely to give credibility to a seasoned appraiser's value estimation than yours.

PMI Removal Appraisals

Getting the PMI (Private Mortgage Insurance) eliminated from your mortgage loan is an attractive way to cut expenses for homeowners. Once your mortgage loan amount is below 80% of the value of your home, 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. At Spencer Creek Appraisals, we're veterans in helping homeowners just like you do away with unnecessary PMI insurance.

Challenging a property tax assessment

Lets say you live in a local area that is declining -- your local tax assessor may have your house overvalued. This means you're probably paying higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the earlier you take care of a matter like this, the better off you'll be. A professional appraisal from Spencer Creek Appraisals is your strongest weapon when contesting your property tax assessment.

Recently got a freeze your HELOC?

If your property is close to a declining area, your lender might choose to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can be be negative on your credit score since it may appear as though that credit line is maxed out, and also difficult from a cash flow viewpoint. An appraisal from Spencer Creek Appraisals can help you reinstate your HELOC.

Need Field and Desktop Appraisal Review Services?

Have you just been handed a copy of your appraisal and you would like to have a veteran appraiser double-check it for efficiency or do you need a second opinion without the added expense and delay of waiting for a whole new appraisal? An appraiser from Spencer Creek Appraisals can go out and check the subject and comps in a field review. If you need it in a rush, we'll 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 you may have had in the past. Even though this is usually requested by banks, you may desire to employ this service if you suspect mortgage fraud related to your home.