Need an appraisal in Knoxville or Knox County?

Here are the top reasons TN homeowners hire Jim Pemberton:

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

Need help deciding the value of your house in or near Knoxville, TN?
Contact Jim Pemberton.

We at Jim Pemberton understand the special needs of a customer after appraisal services. Our customary business clients are used to the appraisal process and the standard reporting formats. Being a consumer that most likely doesn't see an appraisal on a regular basis,you'll receive extra guidance and explanations through the appraisal process to understand what we do and how we document our findings.

For Sale By Owner (FSBO)/Pre-Listing Services

Since you have an emotional attachment to your own home, 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. In addition to helping you set a realistic selling price so your house will attract buyers, a professional appraisal is very crucial as a negotiating tool once you have an attainable buyer. The appraisal is something tangible to show the buyer. An appraisal is an independent third party's opinion of your property's value -- not just you saying how much your house is worth. Interested buyers know that you have an emotional attachment to your home and will be far more likely to give credibility to an expert appraiser's value report than yours.

PMI Removal Appraisals

Getting the PMI (Private Mortgage Insurance) removed from your mortgage loan is a preferred way to cut expenses for homeowners. Once your mortgage loan amount is below 80% of the value of your property, in most cases you can apply to a lender to have the PMI removed from your loan, which will make your monthly payments go down. Jim Pemberton is veterans in helping folks just like you rid yourselves of unneeded and unwanted PMI insurance.

Challenge property tax assessments

Lets say your house is not appreciating as much as other houses nearby -- your local tax assessor may have your home overvalued. This only 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. An appraisal from Jim Pemberton is your strongest weapon when contesting your property tax assessment.

Recently got a freeze your HELOC?

Even if your specific property has not declined in value, your lender might just decide to automatically freeze your home equity line of credit (HELOC) if your home is in or near a declining area. This can this be annoying from a cash flow standpoint, and detrimental to your credit score since it may appear as though that credit line is maxed out. Jim Pemberton can help you reinstate your home equity line of credit with efficient appraisal.

We Also Provide Field and Desktop Appraisal Review Services

Have you just accepted a copy of your appraisal and you'd prefer to have a seasoned expert double-check it for preciseness or do you desire a second opinion without the added cost and delay of waiting for a whole new appraisal? Jim Pemberton offers field reviews where we'll go out and check the subject and comps. If you need it immediately, we'll provide 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 Even though this is typically requested by banks, you may want to exercise this service if you suspect mortgage fraud related to your home.