Need an appraisal in Rockwood or Morgan County?

See the top reasons TN homeowners hire Holly Sharp:

Get a pre-listing appraisal (whether you're using an agent or selling the home on your own)
Challenge Morgan county's assessment of your property
To reduce their mortgage payment by removing PMI
To reinstate their Home Equity Line of Credit (or HELOC)
Verify another appraiser's report
In the case of a TN divorce, where property needs to be divided
Determine the true market value of real estate in question to settle an estate in Morgan county or TN

Do you own a home in or near Rockwood? Do you need help deciding the value of your real estate?
Contact Holly Sharp.

We at Holly Sharp understand the individual needs of a customer seeking appraisal services. The appraisal process and reporting formats are familiar to our business clients like banks, attorneys, and CPAs. As our valued client, you'll receive extra guidance and explanations through the appraisal process to more fully understand what we do and how we document our conclusions.

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

It's very hard to be objective about your house because you probably have an emotional attachment to it. Our professional appraisers at Holly Sharp are objective. We won't just tell you what you want to hear, we'll tell you what you need to know. In addition to helping you set a realistic selling price so your home will attract many interested buyers, a professional appraisal is a crucial negotiating tool once you have an interested buyer. It's something tangible to show your buyer. It's an independent third party's opinion of your house's value, and not just you saying how much you think 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 accomplished appraiser's value judgement than yours.

Need to remove PMI?

PMI stands for Private Mortgage Insurance. A popular way to cut costs for homeowners is getting the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan is below 80% of the value of your house, 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 Holly Sharp, we're seasoned in helping homeowners just like you do away with undesirable PMI insurance.

Challenge Tax Assessment

Your local tax assessor may have your house overvalued if you live in a region that's going down. That means you're most likely paying more taxes than you should. The faster you take care of a matter like this, the better off you'll be, since your property assessment may likely go up again in the next period. An expert appraisal from Holly Sharp is your best weapon when challenging your property tax assessment.

HELOC recently frozen?

Even if your specific property has not declined in value, your lender just may decide to automatically freeze your home equity line of credit (HELOC) if your home is in or near a declining area. This can be be bad for your credit score since it may appear as though that credit line is maxed out, and also troublesome from a cash flow angle. Holly Sharp can provide you with an expert appraisal to help you reinstate your HELOC.

Need Field and Desktop Appraisal Review Services?

Have you just been given a copy of your appraisal and you would prefer to have a professional double-check it for preciseness or do you need a second opinion without the cost and delay of waiting for a whole new appraisal? An appraiser from Holly Sharp can go out and check the subject and comparables in a field review. Or, if you need it ASAP, we can provide 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 usually requested by banks, you may wish to take advantage of this service if you suspect mortgage fraud related to your home.