Need an appraisal in Glasgow or Barren County?
The top 7 reasons KY homeowners need Graham Appraisal:
Do you own a house in or near Glasgow? Do you need help deciding the price of your real estate?
At Graham Appraisal, we understand the particular needs of a customer looking for appraisal services. Our typical business clients understand the appraisal process and the customary documents we provide. Being a regular person not in the real estate industry that most likely doesn't look at appraisals every day,you will receive extra guidance and explanations through the appraisal process to better understand what we do and how we report the results of our analysis.
For Sale By Owner/Pre-Listing Services
It's very hard to be objective about your own home because of your emotional attachment to it. Professional appraisers, like the ones at Graham Appraisal, will be objective. We will tell you what you need to know, not just what you want to hear. A professional appraisal is a very valuable negotiating tool once you have a likely buyer, in addition to helping you set a realistic price to sell at so your house will attract interested buyers. It's something tangible to show the buyer. It's an independent third party's opinion of your house's value, and not just you saying how much your home is worth. Potential buyers assume you have an emotional attachment to your house and will be far more likely to give credibility to a qualified appraiser's value judgement than yours.
Need to remove PMI?
Getting the PMI (Private Mortgage Insurance) removed from your mortgage loan is a popular way to save money for homeowners. Your monthly payments will go down once your mortgage loan is below 80% of the value of your house. In most cases you can apply to a lender to have the PMI removed from your loan. At Graham Appraisal, we're experts in helping clients just like you do away with undesirable PMI insurance.
Challenging property tax assessments
Your local tax assessor may have your house overvalued if you live in a local area that is declining. That only means you're going to pay more taxes than you should. The earlier you take care of things like this, the better off you'll be, since your property assessment may likely go up again in the next period. Getting a professional appraisal from Graham Appraisal is your perfect weapon when challenging your property tax assessment.
HELOC recently frozen?
If your house is close to a declining area, your lender just may 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 unfavorable to your credit score since it may appear as though that credit line is maxed out, and also troublesome from a cash flow point of view. Graham Appraisal can help you reinstate your HELOC.
Field and Desktop Appraisal Review Services
Do you need a veteran appraiser to double-check your appraisal for accuracy, or do you need a second opinion without the added expense and delay of waiting for a whole new appraisal? In a field review we will go out and check the subject and comparables. If you're in a hurry, we'll 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? Graham Appraisal can help you with that. Even though this is usually requested by banks, you may wish to utilize this service if you suspect mortgage fraud related to your home.