Attention homeowners in Glasgow and Barren County: Need an appraisal?
See the top seven reasons KY homeowners hire Graham Appraisal:
Do you own a house in or near Glasgow? Do you need help deciding the value of your real estate?
We at Graham Appraisal understand the particular needs of a homeowner after 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
Since you have an emotional attachment to your home, it's often very hard to be objective about 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 many interested buyers, a professional appraisal is very valuable as a negotiating tool once you have a potential buyer. It gives you something tangible to show the buyer. The appraisal is an independent third party's opinion of your property's value, not just how much your house is worth. Interested buyers know that you have an emotional attachment to your home and will be more likely to give credibility to a qualified appraiser's value conclusion than yours.
Need to remove PMI?
A preferred way to cut expenses 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 home. In most cases you can apply to the lender to have the PMI canceled from your loan. We're experts in helping clients just like you dismiss unwanted and unneeded PMI insurance.
Challenging Barren county's assessment of your property
Your local tax assessor may have your house overvalued if you live in a local area that's going down. That means you're paying more taxes than you should. Since your property assessment may likely go up again in the next period, the quicker you take care of a matter like this, the better. Getting an appraisal report from Graham Appraisal is your best weapon when contesting your property tax assessment.
Recently got a freeze your HELOC?
If your home is in or near a declining area, your lender may just decide to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. Not only can this be troublesome from a cash flow standpoint, but it can be unfavorable 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?
Would you like a second opinion without the cost and delay of waiting for a whole new appraisal? Or do you want a veteran appraiser to double-check your appraisal for preciseness? Graham Appraisal offers field reviews where we go out and check the subject and comps in question. If you're 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 a retrospective review of any appraisal report you may have in your possession. Even though this is typically requested by banks, you may wish to exercise this service if you suspect mortgage fraud related to your home.