Attention homeowners in Glasgow and Barren County: Get an Appraisal today!

The top seven reasons why KY homeowners order from Graham Appraisal:

  1. To get a pre-listing appraisal (whether you're using an agent or selling the home on your own)
  2. Challenge a property tax assessment
  3. To cut their mortgage payments by removing PMI
  4. To reinstate their Home Equity Line of Credit (HELOC)
  5. To review a different appraiser's report for verification
  6. In the case of a KY divorce, where real estate needs to be divided
  7. To settle an estate in KY by determining the true market value of real estate in question

Need help determining the price of your house in or near Glasgow, KY?
Contact Graham Appraisal.

We at Graham Appraisal understand the individual needs of a consumer in need of appraisal services. Our customary business clients get the appraisal process and the usual "products" we deliver to them. Being a person not in the real estate business that probably doesn't see an appraisal every day,you can expect extra guidance and explanations through the appraisal process to more clearly understand what we do and how we report the results of our analysis.

For Sale By Owner (FSBO)/Pre-Listing Services

Since you have an emotional attachment to your own house, it's often very hard to be objective about 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 very valuable as a negotiating tool once you have a potential buyer, in addition to helping you set a realistic selling price so your property will attract many interested buyers. It gives you something concrete to show the 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. Interested buyers assume you have an emotional attachment to your house and will be far more likely to give credibility to a seasoned appraiser's value assessment than yours.

Need to remove PMI?

A popular money saver for homeowners is getting the PMI canceled 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 amount is down below 80% of the value of your property. In most cases you can apply to your lender to have the PMI removed from your loan. At Graham Appraisal, we're seasoned in helping people just like you dismiss unneeded PMI insurance.

Challenge Barren county's assessment of your property

Lets say you live in a local area that's going down -- your local tax assessor may have your home overvalued. That means you're paying more taxes than you should. 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. An appraisal from Graham Appraisal is your strongest weapon when challenging your property tax assessment.

HELOC recently frozen?

Your lender just may choose to automatically freeze your home equity line of credit (HELOC) if your house is in or near a declining area -- even if your specific property has not declined in value. This can this be unsuitable from a cash flow standpoint, and unfavorable to your credit score since it may appear as though that credit line is maxed out. Graham Appraisal can help you reinstate your HELOC.

We Also Offer Field and Desktop Appraisal Review Services

Would you prefer a second opinion without the added cost and delay of waiting for a whole new appraisal? Or do you want a seasoned professional to double-check your appraisal for verity? An appraiser from Graham Appraisal can go out and check the subject and comparables in question in a field review. Or, if you need it in a rush, 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.

Do you need a retrospective review of an appraisal? Graham Appraisal can help with that too. While typically requested by banks, you may want to make use of this service if you suspect mortgage fraud related to your house.