Let Graham Appraisal serve your appraisal needs

Thousands of people in Kentucky buy, sell or refinance their home every month. Many of these transactions involve a simple line item for an appraisal. Almost all lenders still want a local expert because the stakes are very high, even though there are a budding number of automated home valuation systems that may appear to be more cost-effective than an appraisal. You might believe that getting a mortgage is the only reason to acquire an appraisal, but there are other times when the services of a certified, independent real estate professional could be beneficial.

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Challenge your tax assessment in Barren County

If you live in an area where the value of property has depreciated, it's possible you're paying too much in property taxes. An appraisal from Graham Appraisal is your best evidence when building your case. At Graham Appraisal, we're capable of assisting you in challenging your tax assessment.

PMI removal to lower your mortgage payment

Private Mortgage Insurance, or PMI, is an extra insurance plan that almost all lenders ask homebuyers to buy when the amount being loaned to the homebuyer is more than 80% of the actual value of the property. This added payment is often folded into the monthly mortgage payment and is promptly forgotten. PMI is unnecessary when the remainder of the loan - whether through market appreciation or principal pay down - falls below the 80% mark, making this very unfavorable. In fact, the Homeowners Protection Act (HPA) of 1998 was passed by the United States Congress requiring lenders to eliminate the PMI installments when the loan-to-value ratio conditions have been met.

If you'd like to do away with PMI, Graham Appraisal will provide you with a statement regarding the value of your home. The price you paid for the appraisal can often be offset in little time because you'll no longer be paying the PMI.

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Get a clear valuation on a home take make a divorce settlement less stressful

A divorce is an especially traumatic experience for the parties involved, and it is often more complicated by the strenuous decision of who gets the property. Regardless of the situation, it's a good idea to get an appraisal from Graham Appraisal so both parties are completely aware of the true market value of their house.

The parties will have a a good idea of what price to set, if they need to sell the home. And on the flip side, if a "buyout" is the chosen option, both parties will feel like they've received a fair evaluation.

Fair and accurate estate liquidation

Losing a loved one is a hard time in life, and settling an estate from a death, or probate, often requires an appraisal to establish Fair Market Value for the residential property involved. The ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP) binds us with confidentiality, guaranteeing the utmost degree of discretion.

Most Americans do not have dedicated estate planners or executors to handle these issues, unlike wealthy individuals. And seeing that a home or other property often makes up a disproportionate share of the total estate value, understanding the true worth of the real estate at hand is of essential importance to ensuring disputing parties walk away knowing they've gotten an honest deal.

Move to or from Barren County through an employee relocation program

We are aware of the stress involved with an employee relocation. We take great care in establishing a convenient appointment time for the appraisal inspection. We encourage relocating employees to provide input on the positive features of their property, along with information regarding any recent sales or listings in their area that they want considered during our thorough inspection.

Sell your home quickly — for an accurate price

Whether you decide to sell your home on your own or with the help of a real estate agent, a professional appraisal can help you make a more informed decision regarding your asking price. Apart from a real estate agent, an appraiser has no vested interest in what price the house sells for. Our fees are based on our efforts to complete the appraisal report and not a percentage of the sales price.

On a daily basis, we examine the difference in value things like an extra bathroom or a kitchen remodel can make. Seeking a professional appraisal is a trusted way to decide what improvements will add value and what a suitable sales price is for your home so you don't come up short or have your house on the market an unnecessarily long time, because we're experts in knowing how long houses are one the market.

Let Graham Appraisal assist you in selling your home quickly at the right price