Real estate appraisal services for homeowners in the city of Glasgow and Barren County
The top seven reasons why KY homeowners need Graham Appraisal:
Own a house in or near Glasgow, KY and need help determining the value of it?
We at Graham Appraisal understand the particular needs of a consumer seeking appraisal services. While our usual 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
Since you have an emotional attachment to your home, it's often very hard to be objective about it. Our professional appraisers at Graham Appraisal are objective. We won't just tell you what you want to hear, we will tell you what you need to know. A professional appraisal is a crucial negotiating tool once you have an interested buyer, in addition to helping you set a realistic selling price so your home will attract buyers. It gives you something tangible to show the buyer. An appraisal is an independent third party's opinion of your property's price -- not just how much you think your home is worth. Potential buyers know that you have an emotional attachment to your home and will be more likely to give credibility to an accomplished appraiser's value estimation than yours.
Appraisals to remove PMI
PMI stands for Private Mortgage Insurance. A fashionable money saver for homeowners is getting the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. Your monthly payments will go down once your mortgage loan is below 80% of the value of your property. In most cases you can apply to a lender to have the PMI eliminated from your loan. We are experienced in helping homeowners just like you get rid of unneeded and unwanted PMI insurance.
Challenge Barren county's assessment of your property
Your local tax assessor may have your house overvalued if your home is not appreciating as much as other houses close by. That means you are paying more taxes than you should. Since your property assessment may likely go up again in the next period, the faster you take care of things like this, the better. An appraisal report from Graham Appraisal is your #1 weapon when contesting your property tax assessment.
HELOC recently frozen?
If your home is in or near a declining area, your lender just 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 disadvantageous from a cash flow viewpoint. An appraisal from Graham Appraisal can help you reinstate your HELOC.
We Provide Field and Desktop Appraisal Review Services
Would you prefer a second opinion without the expense and delay of waiting for a whole new appraisal? Or do you desire a seasoned appraiser to double-check your appraisal for preciseness? Graham Appraisal offers field reviews where we go out and check the subject and comps. Or, if you're in a hurry, we can provide desk review and verify as many facts as we can using online data sources as well as our own files.
Need a retrospective review of an appraisal? We can help with that too. Even though this is usually requested by banks, you may want to exploit this service if you suspect mortgage fraud related to your property.