Appraisal services for Nashville and Davidson County homeowners

See the top seven reasons why Tennessee homeowners call on Ohanaka & Associates:

Pre-listing appraisals (whether they're selling the home themselves or using a real estate agent)
To challenge your property tax assessment in Tennessee
To reduce their monthly mortgage payment by removing PMI
Reinstate their Home Equity Line of Credit (HELOC)
Verify another appraiser's report
In the case of a divorce in the state of Tennessee, when real estate needs to be divided
To determine the true market value of real estate to settle an estate in Davidson county or Tennessee


	Own a home in or near Nashville, Tennessee and need help determining the price of it? Contact Ohanaka & Associates.

We at Ohanaka & Associates understand the particular needs of a customer looking for appraisal services. While our usual business clients understand the appraisal process and standard reporting formats, you as a consumer will get an extra level of 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 (FSBO) / Pre-Listing Services

It's very hard to be objective about your house because of your emotional attachment to it. Our professional appraisers at Ohanaka & Associates are objective. We won't just tell you what you want to hear, we will tell you what you need to know. A professional appraisal is very crucial as a negotiating tool once you have an interested buyer, in addition to helping you set a realistic selling price so your house will attract many interested buyers. It's something concrete to show your buyer. It's an independent third party's opinion of your property's value, and not just you saying how much you think your house is worth. Potential buyers assume that you have an emotional attachment to your house and will be more likely to give credibility to a qualified appraiser's value opinion than yours.

Challenging Davidson County's assessment of your property

Your local tax assessor may have your home overvalued if you live in a local area that's going down or is not appreciating as much as other properties nearby. That means you're paying more taxes than you should. Since your property assessment may likely go up again in the next period, the faster you take care of things like this, the better. An expert appraisal from Ohanaka & Associates is your perfect weapon when contesting your property tax assessment.

Appraisals to remove PMI

PMI stands for Private Mortgage Insurance. A popular way to cut costs for homeowners is to get the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan is less than 80% of the value of your home, in most cases you can apply to your lender to have the PMI canceled from your loan, which will make your monthly payments go down. We're seasoned in helping consumers just like you delete undesirable PMI insurance.

Was your HELOC recently frozen?

If your property is in or near a declining area, your lender just might decide to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. Not only can this be troublesome from a cash flow viewpoint, but it can be negative on your credit score since it may appear as though that credit line is maxed out. Ohanaka & Associates can help you reinstate your HELOC.

Field and Desktop Appraisal Review Services

Have you just been handed a copy of your appraisal and you would wish to have a seasoned appraiser double-check it for precision or do you need a second opinion without the charge and delay of waiting for a whole new appraisal? We can go out and check the subject and comps in a field review. Or, if you're in a hurry, 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 most appraisal reviews are commissioned by lenders for quality control, homeowners that have reason to believe they've been the victim of mortgage fraud are prudent to invest in a second opinion.