Attention homeowners: Real estate appraisal services for in Munfordville and Hart County

Here are the top seven reasons why KY homeowners call on Hawkins Appraisal Services:

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

Do you own a home in or near Munfordville? Do you need help determining the price of your real estate?
Contact Hawkins Appraisal Services.

We at Hawkins Appraisal Services understand the special needs of a customer seeking appraisal services. While our usual business 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

Since you have an emotional attachment to your own home, it's often very hard to be objective about it. A professional appraiser is objective and will tell you what you need to know, not just what you want to hear. A professional appraisal is a very important negotiating tool once you have a likely buyer, in addition to helping you set a realistic price to sell at so your home will attract interested buyers. It's something concrete 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. Potential buyers assume you have an emotional attachment to your house and will be far more likely to give credibility to a qualified appraiser's value assessment than yours.

PMI Removal Appraisals

A fashionable way to cut costs 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". Once your mortgage loan is less than 80% of the value of your house, in most cases you can apply to a lender to have the PMI canceled from your loan, which will make your monthly payments go down. Hawkins Appraisal Services is experts in helping consumers just like you do away with unwanted PMI insurance.

Challenging a property tax assessment

Your local tax assessor may have your home overvalued if your house is not appreciating as much as other properties nearby. This means you're paying higher taxes than you should be paying. The sooner you take care of a matter like this, the better, since your property assessment may likely go up again in the next period. When contesting your property tax assessment, getting an appraisal from Hawkins Appraisal Services is your chief weapon.

HELOC recently frozen?

If your home is near a declining area, your lender just may decide to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can this be difficult and inconvenient from a cash flow viewpoint, and damaging to your credit score since it may appear as though that credit line is maxed out. An expert appraisal from Hawkins Appraisal Services can help you reinstate your HELOC.

Need Field and Desktop Appraisal Review Services?

Have you just been given a copy of your appraisal and you'd wish to have a seasoned appraiser double-check it for preciseness or do you want a second opinion without the charge and delay of waiting for a whole new appraisal? We can go out and check the subject and comps in question in a field review. Or, if you need it ASAP, we can provide 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. Even though this is usually requested by banks, you may desire to take advantage of this service if you suspect mortgage fraud related to your property.