Need an appraisal in or Williamson County?

The top seven reasons why homeowners call on T. Sterling & Associates:

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

Need help deciding the price of your home in or near , ?
Contact T. Sterling & Associates.

We at T. Sterling & Associates understand the individual needs of a homeowner after appraisal services. Our usual business clients get the appraisal process and the usual documents we provide. As our client, we will provide you with extra guidance and explanations through the appraisal process to more clearly understand what we do and how we present the results of our analysis.

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

Since you have an emotional attachment to your house, it's often very hard to be objective about it. Our professional appraisers at T. Sterling & Associates are objective. We won't just tell you what you want to hear, we'll tell you what you need to know. A professional appraisal is very valuable as a negotiating tool once you have an interested buyer, in addition to helping you set a realistic price to sell at so your home will attract interested buyers. The appraisal is something concrete to show your buyer. An appraisal is an independent third party's opinion of your house's price -- not just you saying how much you think your house is worth. Interested buyers assume you have an emotional attachment to your home and will be more likely to give credibility to a qualified appraiser's value assessment than yours.

Appraisals to cancel PMI

Getting the PMI (Private Mortgage Insurance) canceled from your mortgage loan is a preferred way to cut costs for homeowners. Your monthly payments will go down once your mortgage loan amount is below 80% of the value of your home. In most cases you can apply to a lender to have the PMI eliminated from your loan. At T. Sterling & Associates, we're experienced in helping people just like you delete unneeded and unwanted PMI insurance.

Challenging a property tax assessment

Your local tax assessor may have your home overvalued if you live in a region that is going down or is not appreciating as much as other houses close to yours. That only means you're going to pay more taxes than you should. The faster you take care of a matter like this, the better, since your property assessment may likely go up again in the next period. When challenging your property tax assessment, getting a professional appraisal from T. Sterling & Associates is your perfect weapon.

Was your HELOC recently frozen?

Your lender just may choose to automatically freeze your home equity line of credit (HELOC) if your property is close to a declining area -- even if your specific property has not declined in value. This can this be inconvenient from a cash flow viewpoint, and unfavorable to your credit score since it may appear as though that credit line is maxed out. A professional appraisal from T. Sterling & Associates can help you reinstate your HELOC.

We Provide Field and Desktop Appraisal Review Services

Have you just been given a copy of your appraisal and you would wish to have a veteran appraiser double-check it for verity or do you want a second opinion without the added cost and delay of waiting for a whole new appraisal? An appraiser from T. Sterling & Associates can go out and check the subject and comps in a field review. Or, if you're in a rush, we can provide you with a 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? T. Sterling & Associates can We can assist you. While typically requested by banks, you may want to use this service if you suspect mortgage fraud related to your home.