Attention homeowners in Knoxville and Knox County: Get an Appraisal today!

See the top reasons TN homeowners order from Jim Pemberton:

  1. To get a pre-listing appraisal (whether you're using an agent or selling the home on your own)
  2. Challenge Knox county's assessment of your property
  3. Remove PMI to cut a monthly mortgage payment
  4. 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, when real estate needs to be divided
  7. Determine the true market value of real estate in question to settle an estate in Knox county or TN

Need help determining the price of your home in or near Knoxville, TN?
Contact Jim Pemberton.

At Jim Pemberton, we understand the particular needs of a customer seeking appraisal services. Our business practices and reporting formats are relatively routine to our business clients like lenders, lawyers, and CPAs. Being a consumer that most likely doesn't see an appraisal every day,you will receive extra guidance and explanations through the appraisal process to more fully understand what we do and how we document our findings.

Pre-listing Services/For Sale By Owner

It's very hard to be objective about your own house because of your emotional attachment to 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 a very important 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. It gives you something tangible to show your buyer. The appraisal is an independent third party's opinion of your property's price, not just how much your house is worth. Potential buyers know you have an emotional attachment to your house and will be far more likely to give credibility to a professional appraiser's value report than yours.

Appraisals to remove PMI

Getting the PMI (Private Mortgage Insurance) eliminated from your mortgage loan is an attractive money saver for homeowners. Once your mortgage loan amount is down below 80% of the value of your property, in most cases you can apply to your lender to have the PMI eliminated from your loan, which will make your monthly payments go down. At Jim Pemberton, we're qualified in helping people just like you rid yourselves of unneeded and unwanted 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 house overvalued. This means you are paying higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the sooner you take care of things like this, the better off you'll be. An expert appraisal from Jim Pemberton is your number one weapon when contesting your property tax assessment.

HELOC recently frozen?

If your house is in or near a declining area, your lender might decide to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can this be inconvenient from a cash flow point of view, and unfavorable to your credit score since it may appear as though that credit line is maxed out. Jim Pemberton can help you reinstate your HELOC.

We Also Offer Field and Desktop Appraisal Review Services

Do you need an expert to double-check your appraisal for efficiency, or do you want a second opinion without the charge and delay of waiting for a whole new appraisal? In a field review we'll go out and check the subject and comps. If you need it ASAP, we'll provide desk review and verify as many facts as we can using online data sources as well as our own files.

Do you need a retrospective review of an appraisal report? Jim Pemberton can help with that too. While typically requested by banks, you may want to take advantage of this service if you suspect mortgage fraud related to your house.