Reasons someone would call Hidden Treasures

Every year, thousands of people in Tennessee buy, sell or refinance their home. A lot of these transactions have a simple line item for an appraisal. Almost all lenders still call for a local expert because the stakes are so high, even though there are a developing number of automated home valuation processes that might seem more prudent than an appraisal. You might think that getting a mortgage is the only reason to get an appraisal, but there are additional situations when the services of a licensed, independent real estate professional might come in handy.


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Let Hidden Treasures help you dispute your tax assessment in McMinn County

It's quite possible you're paying too much in property taxes if you reside in an area where property values have declined. Ad Valorem taxes are based upon a previous assessment of your house, so if values have declined in your area, you can appeal your assessment and save money. An appraisal from Hidden Treasures is your best evidence when building your case. At Hidden Treasures, we're qualified to assist you in appealing your tax assessment.

PMI removal to lower your mortgage payment

Private Mortgage Insurance, or PMI, is a supplemental insurance policy that nearly all lenders ask buyers to buy when the amount being loaned to the homebuyer is more than 80% of the actual value of the home. Since the additional payment is usually bundled into the monthly mortgage payment, it is often forgotten. PMI becomes unnecessary when the leftover balance of the loan - whether through market appreciation or principal pay down - falls below the 80% level, making this very unfavorable. In fact, the Homeowners Protection Act (HPA) of 1998 was implemented by the United States Congress that requires lenders to eliminate the PMI payments when the balance is paid down to 78% of the original value.

If you'd like to get rid of PMI, Hidden Treasures can give you a statement regarding the value of your home. The price you paid for the appraisal can generally be offset in a short amount of time because you'll no longer be paying the PMI.

Divorce settlement with less stress

A divorce is often complicated by the challenging decision of who maintains the home, and it can be a particularly traumatic experience for both parties. Regardless of the circumstances, it's wise to get an appraisal from Hidden Treasures so both parties are entirely aware of the true market value of their property.

The parties will have a better idea of what price to set, if they want to sell the home. And on the flip side, if a "buyout" is the chosen option, both parties will feel like they've gotten a fair assessment.

Fair and accurate estate liquidation with help from Hidden TreasuresSettling an estate

The loss of a loved one is a difficult time in life, and settling an estate from a death, or probate, often requires an appraisal to establish Market Value for the residential property involved. We guarantee the highest degree of discretion, as we're bound with confidentiality by the ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP).

Most Americans don't have dedicated estate planners or executors to manage these issues, unlike many wealthy individuals. And seeing that a home or other property often makes up an unequal share of the total estate value, knowing the certain value of the real estate at hand is of vital importance to ensuring disputing parties leave knowing they've gotten an honest deal.

Hidden Treasures can help you with relocating to or from McMinn County

We are aware of the headaches involved with an employee relocation. That being said, we take great care in organizing a convenient appointment time for the appraisal inspection. We encourage relocating employees to provide remarks on the positive characteristics of their property, as well as information regarding any current sales or listings in their area that they want considered during our detailed process.

Sell your home quickly at the right price

A professional appraisal will help you make a more informed decision regarding your selling price, whether you choose to sell your home on your own or with the help of a real estate agent. An appraiser has no vested interest in what price the house sells for, unlike real estate agents. The price we charge isn't contingent upon the value opinion we render, but rather they are based on our efforts to finish the appraisal.

We analyze the difference in value things like an additional bathroom or a kitchen remodel can make on a daily basis. And we're experts in knowing how long houses are on the market. So, seeking a professional appraisal is a reliable way to decide what improvements will add value and what a suitable sales price is for your home so you don't come up short or have your house on the market an unnecessarily long time.