Appraisal services for Georgetown and Scott County homeowners
Here are the top 7 reasons why Kentucky homeowners use Amerigroup Appraisals:
We at Amerigroup Appraisals understand the unique needs of a customer 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.
Pre-listing Services/For Sale by Owner (FSBO)Since you have an emotional attachment to your own home, it's often very hard to be objective about it. Professional appraisers, like the ones at Amerigroup Appraisals, will be objective. We will tell you what you need to know, not just what you want to hear. In addition to helping you set a realistic selling price so your house will attract buyers, a professional appraisal is a very valuable 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 house's value -- not just how much your house is worth. Potential buyers know you have an emotional attachment to your house and will be far more likely to give credibility to an accomplished appraiser's value assessment than yours.
Challenge Tax AssessmentYour local tax assessor may have your home overvalued if your home is not appreciating as much as other homes close to yours. That means you are probably 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. Getting an appraisal report from Amerigroup Appraisals is your chief weapon when challenging your property tax assessment.
Appraisals to cancel PMIAn attractive way to cut costs for homeowners is to get the PMI removed 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 amount is down below 80% of the value of your house. In most cases you can apply to your lender to have the PMI eliminated from your loan. We're veterans in helping folks just like you abolish unneeded PMI insurance.
HELOC recently frozen?If your property is near a declining area, your lender might choose to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can 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. Amerigroup Appraisals can provide you with an expert appraisal to help you reinstate your home equity line of credit.
Field and Desktop Appraisal Review ServicesHave you just been given a copy of your appraisal and you'd wish to have a seasoned appraiser double-check it for verity or do you want a second opinion without the expense and delay of waiting for a whole new appraisal? In a field review we'll go out and check the subject and comparables. If you're in a rush, 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 a retrospective review of any appraisal you may have had in the past. While usually requested by banks, you may need to take advantage of this service if you suspect mortgage fraud related to your property.