Appraisal services for Cleveland and Bradley County homeowners

See the top reasons TN homeowners hire Zane B. Harris Appraisal Co. Since 1968:

  1. To get a pre-listing appraisal (whether they're selling the home themselves or using an agent)
  2. Challenge Bradley county's assessment of your property
  3. To reduce their mortgage payment by removing PMI
  4. To reinstate their Home Equity Line of Credit (or HELOC)
  5. To review another appraiser's report for verification
  6. In the case of a TN divorce, where real estate property needs to be divided
  7. To determine the true market value of property in question to settle an estate in Bradley County or the state of TN

Need help deciding the value of your house in or near Cleveland, TN?
Contact Zane B. Harris Appraisal Co. Since 1968.

We at Zane B. Harris Appraisal Co. Since 1968 understand the special needs of a consumer seeking appraisal services. Our regular business clients get the appraisal process and the customary "products" we deliver to them. Being a regular homeowner that most likely doesn't look at appraisals every day,we will provide you with extra guidance and explanations through the appraisal process to understand what we do and how we present the results of our analysis.

For Sale By Owner/Pre-Listing Services

It's very hard to be objective about your house because of your emotional attachment to it. Professional appraisers, like the ones at Zane B. Harris Appraisal Co. Since 1968, will be objective. We will 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 an attainable buyer, in addition to helping you set a realistic price to sell at so your house will attract buyers. The appraisal is something concrete to show your buyer. An appraisal is an independent third party's opinion of your property's value -- not just how much you think your home is worth. Interested buyers assume that you have an emotional attachment to your home and will be more likely to give credibility to a professional appraiser's value estimation than yours.

PMI Removal Appraisals

A fashionable way to cut costs for homeowners is to get the PMI removed from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Once your mortgage loan is down below 80% of the value of your property, in most cases you can apply to the lender to have the PMI removed from your loan, which will make your monthly payments go down. Zane B. Harris Appraisal Co. Since 1968 is qualified in helping clients just like you rid themselves of undesirable PMI insurance.

Challenging Bradley county's assessment of your property

Lets say you live in a local area that's declining -- your local tax assessor may have your home overvalued. This only means you're paying higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the quicker you take care of things like this, the better. When challenging your property tax assessment, getting an appraisal report from Zane B. Harris Appraisal Co. Since 1968 is your chief weapon.

Was your 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 near a declining area. This can be be detrimental to your credit score since it may appear as though that credit line is maxed out, and also inconvenient from a cash flow viewpoint. Zane B. Harris Appraisal Co. Since 1968 can provide you with efficient appraisal to help you reinstate your HELOC.

Do You Need Field and Desktop Appraisal Review Services?

Have you just received a copy of your appraisal and you'd prefer to have a seasoned professional double-check it for accuracy or do you want a second opinion without the charge and delay of waiting for a whole new appraisal? An appraiser from Zane B. Harris Appraisal Co. Since 1968 can go out and check the subject and comparables in question in a field review. If you're in a hurry, we'll 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 We can assist you While usually requested by banks, you may want to exercise this service if you suspect mortgage fraud related to your home.