Attention homeowners in Florence and Boone County: Need an appraisal?

Here are the top seven reasons KY homeowners use Harris Young Appraisals:

  1. Get a pre-listing appraisal (whether they're selling the home on their own or using a real estate agent)
  2. Challenge Boone county's assessment of your property
  3. To cut their mortgage payments by removing PMI
  4. Reinstate their Home Equity Line of Credit (HELOC)
  5. Review a different appraiser's report for verification
  6. In the case of a KY divorce, when real estate needs to be divided
  7. Settle an estate in KY by determining the true market value of property in question

Own a house in or near Florence, KY and need help deciding the price of it?
Contact Harris Young Appraisals.

At Harris Young Appraisals, we 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.

For Sale By Owner (FSBO)/Pre-Listing Services

It's very hard to be objective about your own home because you most likely have an emotional attachment to it. Our professional appraisers at Harris Young Appraisals are objective. We won't just tell you what you want to hear, we'll tell you what you need to know. A professional appraisal is a very valuable negotiating tool once you have a potential buyer, in addition to helping you set a realistic price to sell at so your house will attract interested buyers. The appraisal is something concrete to show the buyer. The appraisal is an independent third party's opinion of your property's value, not just you saying how much you think your home is worth. Potential buyers assume you have an emotional attachment to your house and will be more likely to give credibility to an experienced appraiser's value conclusion than yours.

PMI Removal Appraisals

Getting the PMI (Private Mortgage Insurance) canceled from your mortgage loan is an attractive way to save money for homeowners. Your monthly payments will go down once your mortgage loan amount is below 80% of the value of your property. In most cases you can apply to the lender to have the PMI removed from your loan. We are qualified in helping folks just like you delete unwanted and unneeded PMI insurance.

Challenge Boone county's assessment of your property

Your local tax assessor may have your house overvalued if you live in a local area that is declining. That only means you're going to pay more taxes than you should. Since your property assessment may likely go up again in the next period, the faster you take care of things like this, the better off you'll be. Getting an appraisal report from Harris Young Appraisals is your chief weapon when challenging your property tax assessment.

Was your HELOC recently frozen?

If your house is close to a declining area, your lender might just decide to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. Not only can this be difficult and inconvenient from a cash flow point of view, but it can be bad for your credit score since it may appear as though that credit line is maxed out. An efficient appraisal from Harris Young Appraisals can help you reinstate your HELOC.

We Also Provide Field and Desktop Appraisal Review Services

Would you wish a second opinion without the charge and delay of waiting for a whole new appraisal? Or do you desire a veteran appraiser to double-check your appraisal for efficiency? An appraiser from Harris Young Appraisals can go out and check the subject and comparables in a field review. 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.

Need a retrospective review of an appraisal report? We can help with that too. While usually requested by banks, you may wish to make use of this service if you suspect mortgage fraud related to your home.