Attention homeowners: Real estate appraisal services for in Glasgow and Barren County

Here are the top 7 reasons why KY homeowners need Graham Appraisal:

  1. To get a pre-listing appraisal (whether you're using a real estate agent or selling the home on your own)
  2. To challenge a KY property tax assessment
  3. To reduce a monthly mortgage payment by removing PMI
  4. Reinstate your Home Equity Line of Credit (or HELOC)
  5. To review a different appraiser's report for verification
  6. If real estate property needs to be divided because of a divorce
  7. To determine the true market value of property in question to settle an estate

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

At Graham Appraisal, we understand the individual needs of a customer in need of appraisal services. Our customary business clients get the appraisal process and the customary reporting formats. As our client, we'll be sure you get extra guidance and explanations through the appraisal process to understand what we do and how we document our conclusions.

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

It's very hard to be objective about your own home because of your emotional attachment to 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 very valuable as a negotiating tool once you have an interested buyer, in addition to helping you set a realistic price to sell at so your house will attract buyers. It gives you something concrete to show the buyer. The appraisal is an independent third party's opinion of your home's price, not just you saying how much you think your house is worth. Interested buyers assume that you have an emotional attachment to your home and will be much more likely to give credibility to a professional appraiser's value judgement than yours.

Appraisals to cancel PMI

A preferred money saver 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". Once your mortgage loan amount is down below 80% of the value of your home, in most cases you can apply to the lender to have the PMI eliminated from your loan, which will make your monthly payments go down. We're seasoned in helping customers just like you rid themselves of unnecessary PMI insurance.

Challenging property tax assessments

If you live in a region that is declining or is not appreciating as much as other properties close to yours, your local tax assessor may have your house overvalued. This means you're paying higher taxes than you should be paying. The earlier you take care of a matter like this, the better, since your property assessment may likely go up again in the next period. Getting an appraisal from Graham Appraisal is your chief weapon when challenging your property tax assessment.

Recently got a freeze your HELOC?

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

We Also Provide Field and Desktop Appraisal Review Services

Have you just been handed a copy of your appraisal and you would like to have a seasoned professional double-check it for efficiency or do you desire a second opinion without the cost and delay of waiting for a whole new appraisal? We can go out and check the subject and comps 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.

We can also provide a retrospective review of any appraisal you may have in your possession. Even though this is usually requested by banks, you may need to make use of this service if you suspect mortgage fraud related to your property.