Need an appraisal in Liberty or Casey County?

Here are the top seven reasons why KY homeowners hire Southern Kentucky Appraisal:

To get a pre-listing appraisal (whether you're using a real estate agent or selling the home on your own)
To challenge a KY property tax assessment
To reduce your mortgage payments by removing PMI
To reinstate your Home Equity Line of Credit (HELOC)
Review another appraiser's report for verification
If real estate needs to be divided because of a divorce
To determine the true market value of real estate in question to settle an estate

Own a home in or near Liberty, KY and need help deciding the price of it?
Contact Southern Kentucky Appraisal.

At Southern Kentucky Appraisal, we understand the particular needs of a consumer seeking appraisal services. Our business practices and reporting formats are familiar to our business clients like banks, lawyers, and CPAs. As our valued client, you can expect extra guidance and explanations through the appraisal process to more clearly understand what we do and how we document the results of our analysis.

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

Since you have an emotional attachment to your home, 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 an interested buyer, in addition to helping you set a realistic price to sell at so your house will attract many interested buyers. It gives you something tangible to show your buyer. It's an independent third party's opinion of your property's value, and not just how much you think your home is worth. Interested buyers know that you have an emotional attachment to your house and will be more likely to give credibility to a qualified appraiser's value assessment than yours.

Need to remove PMI?

An attractive way to cut expenses for homeowners is to get the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Once your mortgage loan amount is less than 80% of the value of your home, in most cases you can apply to a lender to have the PMI canceled from your loan, which will make your monthly payments go down. At Southern Kentucky Appraisal, we're seasoned in helping folks just like you remove unnecessary PMI insurance.

Challenging Casey county's assessment of your property

Your local tax assessor may have your home overvalued if you live in an area that is going down or not appreciating as much as other properties close to yours. This only means you are most likely paying higher taxes than you should be paying. 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 report from Southern Kentucky Appraisal is your #1 weapon when challenging your property tax assessment.

Recently got a freeze your HELOC?

If your property is in a declining area, your lender just might choose to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can this be difficult from a cash flow point of view, and destructive to your credit score since it may appear as though that credit line is maxed out. Southern Kentucky Appraisal can provide you with a professional appraisal that will help you reinstate your HELOC.

Field and Desktop Appraisal Review Services

Have you just received a copy of your appraisal and you'd prefer to have a seasoned expert double-check it for preciseness or do you desire a second opinion without the cost and delay of waiting for a whole new appraisal? An appraiser from Southern Kentucky Appraisal can go out and check the subject and comparables in a field review. If you need it immediately, we'll provide 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? Southern Kentucky Appraisal can help you with that. Even though this is usually requested by banks, you may wish to make use of this service if you suspect mortgage fraud related to your property.