Attention homeowners: Real estate appraisal services for in Bristol and Sullivan County

The top reasons TN homeowners hire Cathy Mullins:

  1. Get a pre-listing appraisal (whether they're selling the home on their own or using an agent)
  2. Challenge property tax assessments
  3. To lower your mortgage payments by removing PMI
  4. Reinstate their Home Equity Line of Credit (HELOC)
  5. Review another appraiser's report for verification
  6. If real estate property needs to be divided because of a divorce
  7. Settle an estate in TN by determining the true market value of property in question

Do you own a house in or near Bristol? Do you need help determining the price of your real estate?
Contact Cathy Mullins.

At Cathy Mullins, we understand the individual needs of a customer after appraisal services. Our business practices and reporting formats are relatively routine to our business clients like lenders, attorneys, and CPAs. As our valued client, we'll be sure you get extra guidance and explanations through the appraisal process to more clearly understand what we do and how we present our findings.

For Sale By Owner/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 Cathy Mullins are objective. We won't just tell you what you want to hear, we will tell you what you need to know. In addition to helping you set a realistic selling price so your home will attract interested buyers, a professional appraisal is a very valuable negotiating tool once you have a likely buyer. It gives you something tangible to show your buyer. It's an independent third party's opinion of your house's price, and not just how much you think your home is worth. Interested buyers assume that you have an emotional attachment to your house and will be more likely to give credibility to a seasoned appraiser's value report than yours.

PMI Removal Appraisals

A fashionable money saver for homeowners is getting the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Your monthly payments will go down once your mortgage loan amount is down below 80% of the value of your home. In most cases you can apply to your lender to have the PMI removed from your loan. Cathy Mullins is veterans in helping consumers just like you do away with unneeded PMI insurance.

Challenge property tax assessments

Your local tax assessor may have your home overvalued if your house not appreciating as much as other houses nearby. This means you are paying higher taxes than you should be paying. The faster you take care of things like this, the better, since your property assessment may likely go up again in the next period. An expert appraisal from Cathy Mullins is your number one weapon when challenging your property tax assessment.

Recently got a freeze your HELOC?

If your house is close to a declining area, your lender might just make the decision to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can be be detrimental to your credit score since it may appear as though that credit line is maxed out, and also troublesome from a cash flow standpoint. Cathy Mullins can help you reinstate your HELOC.

We Also Offer Field and Desktop Appraisal Review Services

Do you need a professional to double-check your appraisal for preciseness, or do you need a second opinion without the cost and delay of waiting for a whole new appraisal? Cathy Mullins offers field reviews where we'll go out and check the subject and comps in question. If you need it ASAP, we'll 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 you with a a retrospective review of any appraisal you may have in your possession. While typically requested by banks, you may want to take advantage of this service if you suspect mortgage fraud related to your property.