Appraisal services for Glasgow and Barren County homeowners
The top reasons KY homeowners need Graham Appraisal:
Do you own a home in or near Glasgow? Do you need help deciding the price of your real estate?
We at Graham Appraisal understand the unique needs of a homeowner looking for appraisal services. While our typical business clients understand the appraisal process and standard reporting formats, you as a consumer will get an extra level of 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 own house because you probably have an emotional attachment to 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 crucial as a negotiating tool once you have an interested buyer, in addition to helping you set a realistic selling price so your house will attract many interested buyers. The appraisal is something tangible to show the buyer. The appraisal is an independent third party's opinion of your house'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 assessment than yours.
Need to cancel PMI?
Getting the PMI (Private Mortgage Insurance) removed from your mortgage loan is a preferred way to cut expenses for homeowners. Your monthly payments will go down once your mortgage loan amount is below 80% of the value of your house. In most cases you can apply to the lender to have the PMI eliminated from your loan. At Graham Appraisal, we're experienced in helping homeowners just like you rid themselves of unneeded PMI insurance.
Challenge Tax Assessment
Lets say your home is not appreciating as much as other properties close by -- your local tax assessor may have your house overvalued. This means you're probably paying higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the earlier you take care of a matter like this, the better off you'll be. When contesting your property tax assessment, getting an appraisal report from Graham Appraisal is your chief weapon.
Recently got a freeze your HELOC?
Your lender may decide to automatically freeze your home equity line of credit (HELOC) if your property is near a declining area -- even if your specific property has not declined in value. Not only can this be troublesome from a cash flow viewpoint, but it can be detrimental to your credit score since it may appear as though that credit line is maxed out. An efficient appraisal from Graham Appraisal can help you reinstate your HELOC.
Need Field and Desktop Appraisal Review Services?
Do you need an expert to double-check your appraisal for precision, or do you want a second opinion without the cost and delay of waiting for a whole new appraisal? We can go out and check the subject and comps in a field review. 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.
We can also provide you with a a retrospective review of any appraisal you may have in your possession. While usually requested by banks, you may desire to exercise this service if you suspect mortgage fraud related to your home.