Appraisal services for Glasgow and Barren County homeowners
The top reasons KY homeowners order from Graham Appraisal:
Own a house in or near Glasgow, KY and need help determining the value of it?
At Graham Appraisal, we understand the unique needs of a homeowner after appraisal services. While our typical 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
Since you have an emotional attachment to your house, it's often very hard to be objective about it. Our professional appraisers at Graham Appraisal are objective. We won't just tell you what you want to hear, we'll tell you what you need to know. A professional appraisal is a crucial negotiating tool once you have a likely buyer, in addition to helping you set a realistic selling price so your home will attract buyers. The appraisal is something concrete to show your buyer. An appraisal is an independent third party's opinion of your home's value -- not just you saying how much your home is worth. Potential buyers know you have an emotional attachment to your home and will be more likely to give credibility to a seasoned appraiser's value conclusion than yours.
Appraisals to remove PMI
A fashionable money saver for homeowners is to get the PMI canceled 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 is down below 80% of the value of your house. In most cases you can apply to a lender to have the PMI canceled from your loan. We are qualified in helping homeowners just like you dismiss unwanted and unneeded PMI insurance.
Challenging property tax assessments
If you live in an area that is declining or not appreciating as much as other properties close by, your local tax assessor may have your home overvalued. This only means you are paying higher taxes than you should be paying. The faster you take care of a matter like this, the better off you'll be, since your property assessment may likely go up again in the next period. Getting an appraisal from Graham Appraisal is your #1 weapon when contesting your property tax assessment.
Was your HELOC recently frozen?
Your lender might just make the decision to automatically freeze your home equity line of credit (HELOC) if your house is near a declining area -- even if your specific property has not declined in value. This can this be annoying from a cash flow point of view, and destructive to your credit score since it may appear as though that credit line is maxed out. An expert appraisal from Graham Appraisal can help you reinstate your HELOC.
Do You Need Field and Desktop Appraisal Review Services?
Have you just accepted a copy of your appraisal and you would wish to have a veteran appraiser double-check it for precision or do you need a second opinion without the cost and delay of waiting for a whole new appraisal? In a field review we will go out and check the subject and comparables in question. If you need it in a rush, 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 We can assist you. While usually requested by banks, you may desire to make use of this service if you suspect mortgage fraud related to your property.