Attention homeowners: Real estate appraisal services for in Lexington and Fayette County
Here are the top reasons Kentucky homeowners order from Colliver Appraisal Service:
At Colliver Appraisal Service, we understand the particular needs of a homeowner after appraisal services. While our usual business clients understand the appraisal process and standard reporting formats, you as a consumer will get extra service in the form of an explanation of the process and even special consumer-friendly reporting forms if the assignment allows for them.
Pre-listing Services/For Sale by OwnerSince you have an emotional attachment to your home, it's often very hard to be objective about it. The professional appraisers at Colliver Appraisal Service will tell you what you need to know -- not just what you want to hear. We are objective. A professional appraisal is a crucial 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 interested buyers. It's something concrete to show the buyer. It's an independent third party's opinion of your house's value, and not just how much you think your house is worth. Interested buyers assume that you have an emotional attachment to your house and will be much more likely to give credibility to an accomplished appraiser's value judgement than yours.
Challenging Fayette County's assessment of your propertyYour local tax assessor may have your house overvalued if you live in a region that's declining. This only means you're most likely paying higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the quicker you take care of a matter like this, the better. When contesting your property tax assessment, getting an expert appraisal from Colliver Appraisal Service is your #1 weapon.
Appraisals to cancel PMIGetting the PMI (Private Mortgage Insurance) removed from your mortgage loan is a popular way to save money for homeowners. Once your mortgage loan is less than 80% of the value of your home, in most cases you can apply to a lender to have the PMI eliminated from your loan, which will make your monthly payments go down. We are qualified in helping homeowners just like you abolish unneeded and unwanted PMI insurance.
Was your HELOC recently frozen?Even if your specific property has not declined in value, your lender may just make the decision to automatically freeze your home equity line of credit (HELOC) if your house is near a declining area. This can be detrimental to your credit score since it may appear as though that credit line is maxed out, and also troublesome from a cash flow angle. Colliver Appraisal Service can help you reinstate your HELOC.
We Also Provide Field and Desktop Appraisal Review ServicesHave you just gotten a copy of your appraisal and you'd like to have a seasoned expert double-check it for precision or do you desire a second opinion without the cost and delay of waiting for a whole new appraisal? Colliver Appraisal Service offers field reviews where we go out and check the subject and comps. Or, if you're in a hurry, 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 report? Colliver Appraisal Service can help you with that. While usually requested by banks, you may wish to employ this service if you suspect mortgage fraud related to your house.