Attention homeowners in Winchester and Clark County: Get an Appraisal today!
The top 7 reasons KY homeowners need Martin Appraisal Group:
Need help deciding the value of your home in or near Winchester, KY?
At Martin Appraisal Group, we understand the individual needs of a customer seeking appraisal services. Our usual business clients understand the appraisal process and the usual reporting formats. As our client, we'll be sure you get extra guidance and explanations through the appraisal process to more fully understand what we do and how we report the results of our analysis.
For Sale By Owner/Pre-Listing Services
Since you have an emotional attachment to your house, it's often very hard to be objective about it. The professional appraisers at Martin Appraisal Group 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 home will attract interested buyers. It's something tangible to show your buyer. The appraisal is an independent third party's opinion of your property's value, not just you saying how much your home 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 experienced appraiser's value judgement than yours.
Need to cancel PMI?
PMI stands for Private Mortgage Insurance. An attractive way to save money for homeowners is getting the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan is below 80% of the value of your property, 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. At Martin Appraisal Group, we're qualified in helping homeowners just like you get rid of unneeded and unwanted PMI insurance.
Challenging a property tax assessment
Lets say you live in a local area that's going down -- your local tax assessor may have your home overvalued. 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 sooner you take care of things like this, the better off you'll be. When contesting your property tax assessment, getting an appraisal report from Martin Appraisal Group is your strongest weapon.
Was your HELOC recently frozen?
Your lender just may choose to automatically freeze your home equity line of credit (HELOC) if your house is near a declining area -- even if your specific property has not declined in value. This can be be detrimental to your credit score since it may appear as though that credit line is maxed out, and also inopportune from a cash flow point of view. An appraisal from Martin Appraisal Group can help you reinstate your HELOC.
Do You Need Field and Desktop Appraisal Review Services?
Would you wish a second opinion without the cost and delay of waiting for a whole new appraisal? Or do you desire a seasoned appraiser to double-check your appraisal for verity? An appraiser from Martin Appraisal Group 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 desk review and verify as many facts as we can using online data sources as well as our own files.
We can also provide you with a a retrospective review of any appraisal you may have had in the past. While typically requested by banks, you may need to exercise this service if you suspect mortgage fraud related to your home.