Appraisal services for Glasgow and Barren County homeowners
Here are the top reasons KY homeowners need Graham Appraisal:
Need help determining the value of your house in or near Glasgow, KY?
We at Graham Appraisal understand the special needs of a homeowner seeking appraisal services. Our regular business clients understand the appraisal process and the usual documents we provide. Being a regular person not in the real estate business that probably doesn't look at appraisals on a regular basis,we'll be sure you get extra guidance and explanations through the appraisal process to better 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 home, it's often very hard to be objective about it. The professional appraisers at Graham Appraisal will tell you what you need to know -- not just what you want to hear. We are objective. A professional appraisal is very important as a negotiating tool once you have a potential buyer, in addition to helping you set a realistic selling price so your house will attract interested buyers. The appraisal is something tangible to show your buyer. It's an independent third party's opinion of your house's value, and not just how much your home is worth. Potential buyers know you have an emotional attachment to your house and will be much more likely to give credibility to an expert appraiser's value estimation than yours.
Appraisals to cancel PMI
Getting the PMI (Private Mortgage Insurance) eliminated from your mortgage loan is a popular way to save money for homeowners. Once your mortgage loan amount is down below 80% of the value of your home, in most cases you can apply to the lender to have the PMI eliminated from your loan, which will make your monthly payments go down. We are qualified in helping clients just like you rid yourselves of unwanted PMI insurance.
Challenging property tax assessments
Your local tax assessor may have your house overvalued if your home not appreciating as much as other properties close to yours. That only means you're going to pay more taxes than you should. The sooner you take care of a matter like this, the better, since your property assessment may likely go up again in the next period. An expert appraisal from Graham Appraisal is your #1 weapon when challenging your property tax assessment.
HELOC recently frozen?
If your house is in a declining area, your lender just might make the decision to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. Not only can this be inconvenient from a cash flow standpoint, but it can be destructive to your credit score since it may appear as though that credit line is maxed out. Graham Appraisal can provide you with efficient appraisal that will help you reinstate your home equity line of credit.
We Also Offer Field and Desktop Appraisal Review Services
Do you need an expert to double-check your appraisal for precision, or do you desire a second opinion without the charge and delay of waiting for a whole new appraisal? We 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.
Need a retrospective review of an appraisal? We can help you with that Even though this is typically requested by banks, you may need to employ this service if you suspect mortgage fraud related to your house.