Need an appraisal in Collierville or Shelby County?

The top 7 reasons why TN homeowners call on Ian Mckenzie:

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

Do you own a home in or near Collierville? Do you need help deciding the price of your real estate?
Contact Ian Mckenzie.

At Ian Mckenzie, we understand the individual needs of a consumer after appraisal services. While our usual business clients understand the appraisal process and standard reporting formats, you as a consumer will get extra 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 you most likely have an emotional attachment to it. Our professional appraisers at Ian Mckenzie 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 price to sell at so your home will attract buyers, a professional appraisal is very important as a negotiating tool once you have a likely buyer. It's something tangible to show the buyer. The appraisal is an independent third party's opinion of your home's price, not just 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 experienced appraiser's value judgement than yours.

Need to cancel PMI?

A popular money saver for homeowners is getting the PMI removed from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Once your mortgage loan amount is down below 80% of the value of your property, in most cases you can apply to the lender to have the PMI removed from your loan, which will make your monthly payments go down. We're veterans in helping consumers just like you get rid of unwanted PMI insurance.

Challenge Tax Assessment

Your local tax assessor may have your home overvalued if you live in a region that is declining. This only means you're going to pay higher taxes than you should be paying. The earlier you take care of things like this, the better, since your property assessment may likely go up again in the next period. When challenging your property tax assessment, getting an appraisal report from Ian Mckenzie is your chief weapon.

HELOC recently frozen?

Your lender may make the decision to automatically freeze your home equity line of credit (HELOC) if your home is close to a declining area -- even if your specific property has not declined in value. Not only can this be difficult from a cash flow standpoint, but it can be unfavorable to your credit score since it may appear as though that credit line is maxed out. Ian Mckenzie can help you reinstate your home equity line of credit with efficient appraisal.

Need Field and Desktop Appraisal Review Services?

Have you just gotten a copy of your appraisal and you would like to have a seasoned professional double-check it for precision or do you need a second opinion without the expense and delay of waiting for a whole new appraisal? Ian Mckenzie offers field reviews where we go out and check the subject and comps in question. If you need it immediately, we'll 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 report? We can help with that too. While typically requested by banks, you may wish to exercise this service if you suspect mortgage fraud related to your property.