Real estate appraisal services for homeowners in the city of Glasgow and Barren County
Check out the top reasons KY homeowners order from Graham Appraisal:
Do you own a home in or near Glasgow? Do you need help determining the price of your real estate?
We at Graham Appraisal understand the special needs of a homeowner after appraisal services. While our usual business clients understand the appraisal process and standard reporting formats, you as a consumer will get extra 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 own home because you most likely have an emotional attachment to it. A professional appraiser is objective and will tell you what you need to know, not just what you want to hear. In addition to helping you set a realistic price to sell at so your home will attract many interested buyers, a professional appraisal is very valuable as a negotiating tool once you have an interested buyer. The appraisal is something concrete to show the buyer. It's an independent third party's opinion of your house's value, and not just you saying how much you think your home is worth. Interested 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 assessment than yours.
PMI Removal Appraisals
A preferred money saver for homeowners is to get 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 less than 80% of the value of your property, in most cases you can apply to a lender to have the PMI canceled from your loan, which will make your monthly payments go down. At Graham Appraisal, we're experts in helping clients just like you rid themselves of unnecessary PMI insurance.
Challenge a property tax assessment
Lets say you live in an area that is declining -- your local tax assessor may have your house overvalued. This only means you are paying higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the faster you take care of things like this, the better off you'll be. Getting a professional appraisal from Graham Appraisal is your chief weapon when challenging your property tax assessment.
Recently got a freeze your HELOC?
Even if your specific property has not declined in value, your lender just may make the decision to automatically freeze your home equity line of credit (HELOC) if your property is in a declining area. Not only can this be annoying from a cash flow viewpoint, but it can be negative on your credit score since it may appear as though that credit line is maxed out. Graham Appraisal can help you reinstate your HELOC.
Field and Desktop Appraisal Review Services
Have you just been handed a copy of your appraisal and you'd like to have a veteran appraiser double-check it for accuracy or do you want a second opinion without the added expense and delay of waiting for a whole new appraisal? An appraiser from Graham Appraisal can go out and check the subject and comparables in a field review. 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.
Do you need a retrospective review of an appraisal report? Graham Appraisal can We can assist you. While usually requested by banks, you may wish to take advantage of this service if you suspect mortgage fraud related to your property.