Real estate appraisal services for homeowners in the city of Glasgow and Barren County
Here are the top reasons KY homeowners order from Graham Appraisal:
Do you own a home in or near Glasgow? Do you need help deciding the value of your real estate?
We at Graham Appraisal understand the special needs of a homeowner seeking appraisal services. While our typical business clients understand the appraisal process and standard reporting formats, you as a consumer will get extra 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 home because of your 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 a crucial negotiating tool once you have an interested buyer, in addition to helping you set a realistic price to sell at so your home will attract interested buyers. It's something concrete to show your buyer. It's an independent third party's opinion of your house's value, and not just you saying how much your home is worth. Interested buyers assume that you have an emotional attachment to your home and will be far more likely to give credibility to a qualified appraiser's value judgement than yours.
Appraisals to cancel PMI
An attractive way to cut costs for homeowners is getting the PMI eliminated 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 eliminated from your loan. We are seasoned in helping customers just like you delete unneeded and unwanted PMI insurance.
Challenge Tax Assessment
Lets say you live in an area that is going down -- your local tax assessor may have your home overvalued. That means you are most likely paying more taxes than you should. The sooner you take care of things 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 number one weapon when challenging your property tax assessment.
Was your HELOC recently frozen?
If your house is near a declining area, your lender may choose to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can be be damaging to your credit score since it may appear as though that credit line is maxed out, and also troublesome from a cash flow standpoint. An expert appraisal from Graham Appraisal can help you reinstate your HELOC.
We Also Offer Field and Desktop Appraisal Review Services
Have you just received a copy of your appraisal and you'd prefer to have a seasoned expert double-check it for precision or do you need a second opinion without the added cost 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 in a rush, 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 wish to make use of this service if you suspect mortgage fraud related to your home.