Hayes Appraisal Group, Inc. does appraisals for numerous clients

To a lot of us, an appraisal is simply another fee on the settlement sheet for a home sale or refinance. Practically all lenders still need a local expert because the stakes are so high, even though there are a growing number of automated home valuation processes that may appear more economical than an appraisal. But is getting a mortgage the only basis for getting an appraisal? Are there additional cases when the services of a licensed, independent real estate professional might come in handy? Of course.


	For real estate appraisals in the Middle Tennessee area, it's easiest when your order online from Hayes Appraisal Group, Inc., just click here.

Challenge your tax assessment in Wilson, Davidson, Williamson, Sumner, Rutherford, Robertson, and Montgomery Counties.

It's probable you're paying too much in property taxes if you reside in an area where property values have declined. Ad Valorem taxes are determined by a previous assessment of your home, so if prices have declined in your neighborhood, you can appeal your assessment and save money. When building your case, an appraisal from Hayes Appraisal Group, Inc. is your best evidence. We're capable of assisting you in appealing your tax assessment.

Getting rid of your PMI will lower your mortgage payment

Private Mortgage Insurance, or PMI, is an additional insurance policy that almost all lenders ask buyers to buy when the amount being loaned to the buyer is more than 80% of the actual value of the property. Oftentimes, this additional payment is bundled into the monthly mortgage payment and is soon forgotten. This is unfavorable because PMI isn't necessary when the leftover balance of the loan - whether through market appreciation or principal pay down - falls below the 80% mark. In fact, the Homeowners Protection Act (HPA) of 1998 was implemented by the United States Congress that requires lenders to eliminate the PMI payments on most mortgages when the balance is paid down to 78% of the original value.

If you'd like to eliminate PMI, Hayes Appraisal Group, Inc. will provide you with a statement regarding the value of your home. The expense of the appraisal can often be regained in little time because you'll no longer be paying the PMI.

Divorce settlement with less stress

A divorce is often complicated by the strenuous decision of who gets the home, and it can be a very heartbreaking event for both parties. Regardless of the circumstances, it's a good idea to get an appraisal from Hayes Appraisal Group, Inc. so both parties are completely aware of the true market value of their home.

If the parties want to sell the home, they'll have a better idea of what price to set. And if a "buyout" is the chosen option, both parties will feel like they've received a fair assessment.

Settling an estate with peace of mind

The loss of a loved one is a hard time in life, and settling an estate from a death, or probate, often calls for an appraisal to establish Market Value for the residential property involved. The ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP) binds us with confidentiality, guaranteeing the utmost degree of discretion.

Unlike wealthier individuals, most Americans don't have dedicated estate planners or executors to take care of these affairs. And seeing that a home or other property often makes up an uneven share of the total estate value, knowing the absolute value of the real estate at hand is of essential importance to ensuring disputing parties walk away knowing they've gotten a fair deal.

Relocating to or from Middle Tennessee

Moving due to a job change is a more than just an inconvenience. We know where you're coming from! We take great care in organizing an accommodating appointment time for the appraisal inspection. During our thorough process, we encourage employees that are moving to provide remarks on the positive aspects of their property, along with information about any recent sales or listings in their neighborhood that they want considered.

Selling your home quickly at the right price with an appraisal from Hayes Appraisal Group, Inc.

Whether you decide to sell your home on your own or use the assistance of a real estate agent, a professional appraisal can help you make a better educated decision when determining your selling price. An appraiser has no vested interest in what amount the house sells for, unlike real estate agents. Our fees are derived from our efforts to perform the appraisal report and not a percentage of the sales price.

We determine the difference in value items like an additional bathroom or a kitchen remodel can make on a daily basis. Obtaining a professional appraisal is a trusted way to decide what improvements will add value and what an applicable sales price is for your home - so you don't come up short or have your house on the market an unnecessarily long time - because we're experts in knowing how long houses are on the market.

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