Need an appraisal in Glasgow or Barren County?
The top seven reasons why KY homeowners call on Graham Appraisal:
Own a house in or near Glasgow, KY and need help determining the price of it?
At Graham Appraisal, we understand the individual needs of a homeowner in need of 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.
For Sale By Owner/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. In addition to helping you set a realistic price to sell at so your house will attract buyers, a professional appraisal is very valuable as a negotiating tool once you have a potential buyer. The appraisal is something tangible to show your buyer. The appraisal is an independent third party's opinion of your house's price, not just you saying how much you think your home is worth. Potential buyers know that you have an emotional attachment to your home and will be far more likely to give credibility to an accomplished appraiser's value opinion than yours.
PMI Removal Appraisals
A popular way to cut expenses for homeowners is getting the PMI removed 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 home. In most cases you can apply to the lender to have the PMI canceled from your loan. We are veterans in helping clients just like you remove undesirable PMI insurance.
Challenging Barren county's assessment of your property
Lets say you live in a local area that's declining -- your local tax assessor may have your house overvalued. That means you're most likely paying more taxes than you should. The earlier you take care of things like this, the better, since your property assessment may likely go up again in the next period. When challenging your property tax assessment, getting an appraisal from Graham Appraisal is your chief weapon.
HELOC recently frozen?
Your lender may decide to automatically freeze your home equity line of credit (HELOC) if your property is in a declining area -- even if your specific property has not declined in value. This can this be difficult and inconvenient from a cash flow standpoint, and bad for your credit score since it may appear as though that credit line is maxed out. Graham Appraisal can help you reinstate your HELOC.
Need Field and Desktop Appraisal Review Services?
Would you wish a second opinion without the charge and delay of waiting for a whole new appraisal? Or do you want a seasoned expert to double-check your appraisal for efficiency? In a field review we'll go out and check the subject and comparables. 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.
We can also provide you with a a retrospective review of any appraisal you may have in your possession. Even though this is typically requested by banks, you may desire to use this service if you suspect mortgage fraud related to your house.