Real estate appraisal services for homeowners in the city of Lebanon and Wilson County

The top reasons TN homeowners order from Denise Smallwood:

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

Own a house in or near Lebanon, TN and need help deciding the value of it?
Contact Denise Smallwood.

At Denise Smallwood, we understand the individual needs of a homeowner after appraisal services. While our typical 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)

It's very hard to be objective about your home because you probably have an emotional attachment to it. Our professional appraisers at Denise Smallwood are objective. We won't just tell you what you want to hear, we will tell you what you need to know. In addition to helping you set a realistic selling price so your home will attract buyers, a professional appraisal is very important as a negotiating tool once you have a likely buyer. It gives you something tangible to show the buyer. It's an independent third party's opinion of your house's price, and not just how much your house is worth. Interested buyers assume you have an emotional attachment to your home and will be far more likely to give credibility to a seasoned appraiser's value report than yours.

Appraisals to cancel PMI

PMI stands for Private Mortgage Insurance. A preferred money saver for homeowners is to get the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan is down 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. Denise Smallwood is veterans in helping folks just like you delete unnecessary PMI insurance.

Challenge a property tax assessment

Lets say your house is not appreciating as much as other properties nearby -- your local tax assessor may have your home overvalued. This means you are most likely paying higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the faster you take care of a matter like this, the better. When challenging your property tax assessment, getting an appraisal report from Denise Smallwood is your strongest weapon.

Was your HELOC recently frozen?

Your lender may choose to automatically freeze your home equity line of credit (HELOC) if your house is in a declining area -- even if your specific property has not declined in value. Not only can this be annoying from a cash flow point of view, but it can be negative on your credit score since it may appear as though that credit line is maxed out. Denise Smallwood can provide you with an expert appraisal that will 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 prefer to have a seasoned appraiser double-check it for verity or do you want a second opinion without the added expense and delay of waiting for a whole new appraisal? An appraiser from Denise Smallwood can go out and check the subject and comps in a field review. Or, if you need it ASAP, we can provide you with a desk review and verify as many facts as we can using online data sources as well as our own files.

Need a retrospective review of an appraisal? We can help you with that While typically requested by banks, you may wish to utilize this service if you suspect mortgage fraud related to your home.