Need an appraisal in Etowah or McMinn County?

Here are the top 7 reasons Tennessee homeowners call on Hidden Treasures:

To get a pre-listing appraisal (whether they're selling the home themselves or using an agent)
To challenge a property tax assessment in Tennessee
To cut their monthly mortgage payment by removing PMI
Reinstate their Home Equity Line of Credit (or HELOC)
To review a different appraiser's report for verification
If real estate property needs to be divided because of a divorce
Determine the true market value of the property in question to settle an estate in McMinn county or Tennessee


	Do you own a house in or near Etowah? Do you need help determining the price of your real estate? Contact Hidden Treasures.

At Hidden Treasures, we understand the unique needs of a consumer in need of appraisal services. Our usual business clients get the appraisal process and the standard reporting formats. Being a person not in the real estate industry that most likely doesn't see an appraisal on a regular basis, we will give you extra guidance and explanations through the appraisal process to more fully understand what we do and how we present our findings.

For Sale by Owner/Pre-Listing Services

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 likely buyer, in addition to helping you set a realistic price to sell at so your home will attract many interested buyers. The appraisal is 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 home and will be more likely to give credibility to an expert appraiser's value conclusion than yours.

Challenge Tax Assessment

Your local tax assessor may have your home overvalued if you live in a region that is declining or not appreciating as much as other homes nearby. This means you're most likely paying higher taxes than you should be paying. The faster 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 appraisal from Hidden Treasures is your #1 weapon when challenging your property tax assessment.

Need to cancel PMI?

A fashionable way to cut costs for homeowners is to get the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Your monthly payments will go down once your mortgage loan is down below 80% of the value of your home. In most cases you can apply to a lender to have the PMI eliminated from your loan. We're qualified in helping clients just like you do away with unneeded and unwanted PMI insurance.

Was your HELOC recently frozen?

Even if your specific property has not declined in value, your lender may just make the decision to automatically freeze your home equity line of credit (HELOC) if your property is near a declining area. This can be unfavorable to your credit score since it may appear as though that credit line is maxed out, and also troublesome from a cash flow angle. Hidden Treasures can help you reinstate your home equity line of credit with efficient appraisal.

Need Field and Desktop Appraisal Review Services?

Do you need a professional to double-check your appraisal for precision, or do you need a second opinion without the expense and delay of waiting for a whole new appraisal? Hidden Treasures offers field reviews where we 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.

We can also provide you with a retrospective review of any appraisal you may have had done before. While usually requested by banks, you may desire to employ this service if you suspect mortgage fraud related to your property.