Attention homeowners in Mount Sterling and Montgomery County: Need an appraisal?

Here are the top seven reasons why Kentucky homeowners need Access Kentucky Appraisal Service, LLC:

To get a pre-listing appraisal (whether you're using a real estate agent or selling the home on your own)
Challenge a property tax assessment
Remove PMI to reduce a mortgage payment
Reinstate your Home Equity Line of Credit (or HELOC)
Review another appraiser's report for verification
If real estate needs to be divided because of a divorce
Settle an estate in Kentucky by determining the true market value of real estate


	Do you own a house in or near Mount Sterling? Do you need help deciding the value of your real estate? Contact Access Kentucky Appraisal Service, LLC.

At Access Kentucky Appraisal Service, LLC, we understand the special needs of a customer looking for appraisal services. While our usual 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 Owner

Since you have an emotional attachment to your house, it's often very hard to be objective about it. The professional appraisers at Access Kentucky Appraisal Service, LLC 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 selling price so your property will attract many interested buyers, a professional appraisal is very crucial as a negotiating tool once you have a potential buyer. The appraisal is something concrete to show the buyer. The appraisal is an independent third party's opinion of your house's value, not just how much you think your house is worth. Interested buyers assume you have an emotional attachment to your house and will be far more likely to give credibility to an expert appraiser's value conclusion than yours.

Challenging a property tax assessment

Let's say you live in a local area that's going down -- your local tax assessor may have your home overvalued. That only means you're paying more taxes than you should. 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 off you'll be. When challenging your property tax assessment, getting an expert appraisal from Access Kentucky Appraisal Service, LLC is your chief weapon.

Appraisals to cancel PMI

A fashionable way to cut expenses 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". Your monthly payments will go down once your mortgage loan is down 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. We are experts in helping consumers just like you delete unneeded PMI insurance.

Was your HELOC recently frozen?

Your lender may choose to automatically freeze your home equity line of credit (HELOC) if your property is near a declining area -- even if your specific property has not declined in value. This can be troublesome from a cash flow viewpoint, and destructive to your credit score since it may appear as though that credit line is maxed out. Access Kentucky Appraisal Service, LLC can help you reinstate your HELOC.

We Offer Field and Desktop Appraisal Review Services

Have you just been handed a copy of your appraisal and you would wish to have a seasoned appraiser double-check it for efficiency or do you want a second opinion without the expense and delay of waiting for a whole new appraisal? We can go out and check the subject and comps 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.

We can also provide you with a retrospective review of any appraisal you may have had in the past. Even though most review work is commissioned by lenders, homeowners that have reason to believe they've been the victim of mortgage fraud are prudent to invest in a second opinion.