Appraisal services for Cadiz and Trigg County homeowners

Here are the top seven reasons why KY homeowners need Heffington Appraisal Company, Inc.:

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

Do you own a house in or near Cadiz? Do you need help deciding the value of your real estate?
Contact Heffington Appraisal Company, Inc..

At Heffington Appraisal Company, Inc., we understand the unique 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 extra 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

Since you have an emotional attachment to your house, it's often very hard to be objective about it. Our professional appraisers at Heffington Appraisal Company, Inc. are objective. We won't just tell you what you want to hear, we'll tell you what you need to know. In addition to helping you set a realistic selling price so your house will attract buyers, a professional appraisal is very important as a negotiating tool once you have an attainable buyer. It's 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. Potential buyers assume you have an emotional attachment to your house and will be much more likely to give credibility to a professional appraiser's value opinion than yours.

Appraisals to remove PMI

PMI stands for Private Mortgage Insurance. A popular money saver for homeowners is getting the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. 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 the lender to have the PMI canceled from your loan. Heffington Appraisal Company, Inc. is veterans in helping customers just like you remove undesirable PMI insurance.

Challenging a property tax assessment

Lets say you live in a local area that is going down -- your local tax assessor may have your house overvalued. This only means you are paying higher taxes than you should be paying. The quicker you take care of things like this, the better off you'll be, since your property assessment may likely go up again in the next period. An appraisal report from Heffington Appraisal Company, Inc. is your chief weapon when challenging your property tax assessment.

Was your HELOC recently frozen?

Even if your specific property has not declined in value, your lender might decide to automatically freeze your home equity line of credit (HELOC) if your property is in or near a declining area. This can this be unsuitable from a cash flow point of view, and destructive to your credit score since it may appear as though that credit line is maxed out. Heffington Appraisal Company, Inc. can help you reinstate your HELOC.

Need Field and Desktop Appraisal Review Services?

Have you just gotten a copy of your appraisal and you'd wish to have an expert double-check it for efficiency or do you desire a second opinion without the added cost and delay of waiting for a whole new appraisal? Heffington Appraisal Company, Inc. offers field reviews where we'll go out and check the subject and comparables. Or, if you're in a rush, 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? Heffington Appraisal Company, Inc. can help with that too. Even though this is typically requested by banks, you may need to exercise this service if you suspect mortgage fraud related to your home.