Real estate appraisal services for homeowners in the city of Berea and Madison CountyHere are the top 7 reasons Kentucky homeowners call on Spencer Appraisal, Inc.:
At Spencer Appraisal, Inc., we understand the unique needs of a homeowner seeking appraisal services. While our typical business clients understand the appraisal process and standard reporting formats, you as a consumer will get extra customer service in the form of an explanation of the process and even special consumer-friendly reporting forms if the assignment allows for them. For Sale by Owner/Pre-Listing ServicesSince you have an emotional attachment to your own home, it's often very hard to be objective about it. Our professional appraisers at Spencer Appraisal, Inc. are objective. We won't just tell you what you want to hear, we will tell you what you need to know. In addition to helping you set a realistic price to sell at so your home will attract buyers, a professional appraisal is very important as a negotiating tool once you have a likely buyer. It gives you something concrete to show the buyer. An appraisal is an independent third party's opinion of your property's value -- not just how much you think your home 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 seasoned appraiser's value judgement than yours.Challenging Madison County's assessment of your propertyYour local tax assessor may have your home overvalued if you live in a region that is going down. That only means you are paying more taxes than you should. The faster you take care of a matter like this, the better off you'll be, since your property assessment may likely go up again in the next period. A professional appraisal from Spencer Appraisal, Inc. is your best weapon when challenging your property tax assessment.Need to cancel PMI?An attractive way to save money for homeowners is to get the PMI canceled 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 eliminated from your loan, which will make your monthly payments go down. At Spencer Appraisal, Inc., we're experts in helping clients just like you rid themselves of unwanted and unneeded PMI insurance.HELOC recently frozen?If your home is in a declining area, your lender might decide to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can be difficult from a cash flow standpoint, and harmful to your credit score since it may appear as though that credit line is maxed out. A professional appraisal from Spencer Appraisal, Inc. can help you reinstate your HELOC.Field and Desktop Appraisal Review ServicesWould you wish a second opinion without the charge and delay of waiting for a whole new appraisal? Or do you need a seasoned professional to double-check your appraisal for preciseness? An appraiser from Spencer Appraisal, Inc. can go out and check the subject and comparables in question in a field review. Or, if you're in a hurry, we can 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 report? We can assist you. Although most review work is requested by lenders for quality control, homeowners that have reason to believe they've been the victim of mortgage fraud are wise to invest in a second opinion. |
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