Attention homeowners in FORT THOMAS and Campbell County: Need an appraisal?
Here are the top seven reasons KY homeowners use Fennell Appraisal Service, Inc.:
Do you own a home in or near FORT THOMAS? Do you need help determining the value of your real estate?
We at Fennell Appraisal Service, Inc. understand the unique needs of a homeowner in need of 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
Since you have an emotional attachment to your own home, it's often very hard to be objective about it. The professional appraisers at Fennell Appraisal Service, Inc. 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. The appraisal is something tangible to show the buyer. The appraisal is an independent third party's opinion of your house's price, not just you saying how much your house is worth. Interested buyers assume that you have an emotional attachment to your house and will be far more likely to give credibility to a professional appraiser's value report than yours.
PMI Removal Appraisals
Getting the PMI (Private Mortgage Insurance) removed from your mortgage loan is a fashionable way to cut costs for homeowners. Your monthly payments will go down once your mortgage loan amount is down below 80% of the value of your home. In most cases you can apply to your lender to have the PMI canceled from your loan. At Fennell Appraisal Service, Inc., we're experienced in helping consumers just like you remove unneeded PMI insurance.
Challenge Tax Assessment
If you live in a local area that is going down or is not appreciating as much as other properties close to yours, your local tax assessor may have your home overvalued. That means you're 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 off you'll be. When challenging your property tax assessment, getting an appraisal from Fennell Appraisal Service, Inc. is your number one weapon.
Was your HELOC recently frozen?
Even if your specific property has not declined in value, your lender may just decide to automatically freeze your home equity line of credit (HELOC) if your home is near a declining area. Not only can this be troublesome from a cash flow viewpoint, but it can be harmful to your credit score since it may appear as though that credit line is maxed out. Fennell Appraisal Service, Inc. can help you reinstate your home equity line of credit with efficient appraisal.
Do You Need Field and Desktop Appraisal Review Services?
Have you just been given a copy of your appraisal and you'd wish to have a professional double-check it for precision or do you need a second opinion without the expense and delay of waiting for a whole new appraisal? In a field review we will go out and check the subject and comparables in question. Or, if you need it ASAP, 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? Fennell Appraisal Service, Inc. can We can assist you. Even though this is usually requested by banks, you may want to exercise this service if you suspect mortgage fraud related to your house.