Attention homeowners: Real estate appraisal services for in Nashville and Davidson County

Check out the top 7 reasons why TN homeowners use T.R. Ensley & Associates:

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

Do you own a home in or near Nashville? Do you need help determining the price of your real estate?
Contact T.R. Ensley & Associates.

We at T.R. Ensley & Associates understand the special needs of a homeowner in need of appraisal services. While our typical business clients understand the appraisal process and standard reporting formats, you as a consumer will get extra customer service in the form of an explanation of the process and even special consumer-friendly reporting forms if the assignment allows for them.

For Sale By Owner/Pre-Listing Services

Since you have an emotional attachment to your own home, it's often very hard to be objective about it. The professional appraisers at T.R. Ensley & Associates will tell you what you need to know -- not just what you want to hear. We are objective. In addition to helping you set a realistic selling price so your home will attract many interested buyers, a professional appraisal is very valuable as a negotiating tool once you have an attainable buyer. It gives you something concrete to show the buyer. An appraisal is an independent third party's opinion of your home's price -- not just how much your home is worth. Interested buyers assume you have an emotional attachment to your house and will be far more likely to give credibility to an accomplished appraiser's value report than yours.

PMI Removal Appraisals

Getting the PMI (Private Mortgage Insurance) removed from your mortgage loan is a fashionable money saver for homeowners. Your monthly payments will go down once your mortgage loan is less than 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 T.R. Ensley & Associates, we're qualified in helping customers just like you rid yourselves of undesirable PMI insurance.

Challenging a property tax assessment

Your local tax assessor may have your home overvalued if you live in an area that's declining. That means you're most likely paying more taxes than you should. The earlier you take care of things like this, the better, since your property assessment may likely go up again in the next period. An appraisal from T.R. Ensley & Associates is your perfect weapon when contesting your property tax assessment.

Was your HELOC recently frozen?

Your lender just might make the decision to automatically freeze your home equity line of credit (HELOC) if your home is in or near a declining area -- even if your specific property has not declined in value. Not only can this be troublesome from a cash flow angle, but it can be unfavorable to your credit score since it may appear as though that credit line is maxed out. T.R. Ensley & Associates can provide you with efficient appraisal that will help you reinstate your home equity line of credit.

We Also Offer Field and Desktop Appraisal Review Services

Have you just been handed a copy of your appraisal and you'd wish to have a professional double-check it for efficiency or do you want a second opinion without the added expense and delay of waiting for a whole new appraisal? T.R. Ensley & Associates offers field reviews where we go out and check the subject and comparables. Or, if you're in a rush, we can provide desk review and verify as many facts as we can using online data sources as well as our own files.

We can also provide a retrospective review of any appraisal you may have in your possession. Even though this is usually requested by banks, you may need to exploit this service if you suspect mortgage fraud related to your property.