Appraisal services for London and Laurel County homeowners

The top 7 reasons KY homeowners call on Appalachian Appraisal:

  1. To get a pre-listing appraisal (whether you're using an agent or selling the home on your own)
  2. Challenge a property tax assessment
  3. Remove PMI to reduce a monthly mortgage payment
  4. To reinstate their Home Equity Line of Credit (or HELOC)
  5. To review another appraiser's report for verification
  6. In the case of a KY divorce, where property needs to be divided
  7. Settle an estate in KY by determining the true market value of property in question

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

We at Appalachian Appraisal understand the individual needs of a homeowner seeking appraisal services. While our typical clients understand the appraisal process and standard reporting formats, you as a consumer will get an extra level of customer 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 Owner (FSBO)

Since you have an emotional attachment to your own house, it's often very hard to be objective about it. The professional appraisers at Appalachian Appraisal will tell you what you need to know -- not just what you want to hear. We are objective. In addition to helping you set a realistic price to sell at so your home will attract buyers, a professional appraisal is a crucial negotiating tool once you have an attainable buyer. It gives you something concrete to show the buyer. An appraisal is an independent third party's opinion of your home's price -- not just you saying how much your home is worth. Potential buyers assume you have an emotional attachment to your home and will be more likely to give credibility to an experienced appraiser's value judgement than yours.

PMI Removal Appraisals

PMI stands for Private Mortgage Insurance. An attractive way to cut expenses for homeowners is getting the PMI removed from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan amount is below 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 Appalachian Appraisal, we're veterans in helping folks just like you dismiss unwanted and unneeded PMI insurance.

Challenging Laurel county's assessment of your property

If you live in an area that is declining or is not appreciating as much as other houses close to yours, your local tax assessor may have your home overvalued. That only means you're probably 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 a matter like this, the better. An appraisal from Appalachian Appraisal is your best weapon when challenging your property tax assessment.

HELOC recently frozen?

Your lender might just choose to automatically freeze your home equity line of credit (HELOC) if your property is close to a declining area -- even if your specific property has not declined in value. Not only can this be troublesome from a cash flow angle, but it can be destructive to your credit score since it may appear as though that credit line is maxed out. Appalachian Appraisal can provide you with an expert appraisal to help you reinstate your home equity line of credit.

We Provide Field and Desktop Appraisal Review Services

Do you need a seasoned appraiser to double-check your appraisal for accuracy, or do you want a second opinion without the added expense and delay of waiting for a whole new appraisal? An appraiser from Appalachian Appraisal can go out and check the subject and comparables in question 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.

Need a retrospective review of an appraisal? We can help you with that Even though this is usually requested by banks, you may need to take advantage of this service if you suspect mortgage fraud related to your home.