Attention homeowners in Athens and McMinn County: Need an appraisal?

The top seven reasons why TN homeowners need Johnson & Associates:

To get a pre-listing appraisal (whether they're selling the home on their own or using an agent)
Challenge McMinn county's assessment of your property
To reduce their monthly mortgage payment by removing PMI
To reinstate your Home Equity Line of Credit (HELOC)
Verify a different appraiser's report
If real estate needs to be divided because of a divorce
Determine the true market value of property in question to settle an estate

Own a home in or near Athens, TN and need help determining the price of it?
Contact Johnson & Associates.

At Johnson & Associates, we understand the particular needs of a consumer after appraisal services. Our regular business clients are used to the appraisal process and the usual "products" we deliver to them. But as a consumer,you will receive extra guidance and explanations through the appraisal process to more clearly understand what we do and how we present the results of our analysis.

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

It's very hard to be objective about your own home because you most likely have an emotional attachment to it. Professional appraisers, like the ones at Johnson & Associates, are objective. We'll tell you what you need to know, not just what you want to hear. A professional appraisal is very valuable as a negotiating tool once you have a likely buyer, in addition to helping you set a realistic selling price so your home will attract interested buyers. It's something tangible to show the buyer. The appraisal is an independent third party's opinion of your home's price, not just how much your house is worth. Interested buyers know that you have an emotional attachment to your house and will be far more likely to give credibility to an experienced appraiser's value conclusion than yours.

Appraisals to remove PMI

Getting the PMI (Private Mortgage Insurance) eliminated from your mortgage loan is an attractive way to cut costs for homeowners. 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 the lender to have the PMI removed from your loan. At Johnson & Associates, we're veterans in helping consumers just like you get rid of unneeded PMI insurance.

Challenging a property tax assessment

Lets say your house is not appreciating as much as other homes 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 a matter like this, the better, since your property assessment may likely go up again in the next period. An appraisal from Johnson & Associates is your perfect weapon when contesting your property tax assessment.

HELOC recently frozen?

Even if your specific property has not declined in value, your lender might just choose to automatically freeze your home equity line of credit (HELOC) if your property is in or near a declining area. This can this be troublesome from a cash flow point of view, and negative on your credit score since it may appear as though that credit line is maxed out. Johnson & Associates can help you reinstate your HELOC.

We Offer Field and Desktop Appraisal Review Services

Would you prefer a second opinion without the charge and delay of waiting for a whole new appraisal? Or do you need a seasoned professional to double-check your appraisal for precision? In a field review we'll go out and check the subject and comps in question. Or, if you're in a rush, 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 want to take advantage of this service if you suspect mortgage fraud related to your house.