Need an appraisal in Glasgow or Barren County?
Here are the top seven reasons KY homeowners hire Graham Appraisal:
Do you own a home in or near Glasgow? Do you need help determining the value of your real estate?
We at Graham Appraisal understand the particular needs of a homeowner seeking appraisal services. While our usual 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.
Pre-listing Services/For Sale By Owner (FSBO)
It's very hard to be objective about your house because of your 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. A professional appraisal is a very important negotiating tool once you have a potential buyer, in addition to helping you set a realistic price to sell at so your property will attract interested buyers. It's something tangible to show your buyer. The 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 assume you have an emotional attachment to your home and will be more likely to give credibility to a qualified appraiser's value report than yours.
Appraisals to cancel PMI
Getting the PMI (Private Mortgage Insurance) removed from your mortgage loan is a fashionable money saver 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. Graham Appraisal is veterans in helping customers just like you remove unwanted and unneeded PMI insurance.
Challenge property tax assessments
Your local tax assessor may have your house overvalued if your house not appreciating as much as other properties nearby. That only means you are going to pay more taxes than you should. Since your property assessment may likely go up again in the next period, the quicker you take care of things like this, the better. Getting an appraisal from Graham Appraisal is your best 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 may just make the decision to automatically freeze your home equity line of credit (HELOC) if your property is in a declining area. This can be be unfavorable to your credit score since it may appear as though that credit line is maxed out, and also disadvantageous from a cash flow viewpoint. A professional appraisal from Graham Appraisal can help you reinstate your HELOC.
Field and Desktop Appraisal Review Services
Have you just been given a copy of your appraisal and you'd wish to have a professional double-check it for accuracy or do you desire a second opinion without the cost and delay of waiting for a whole new appraisal? We can go out and check the subject and comparables in question in a field review. Or, if you need it ASAP, we can provide you with a desk review and verify as many facts as we can using online data sources as well as our own files.
We can also provide a retrospective review of any appraisal you may have had in the past. Even though this is usually requested by banks, you may wish to employ this service if you suspect mortgage fraud related to your home.