Appraisal services for Bardstown and Nelson County homeowners

See the top seven reasons why KY homeowners need Florence Appraisal Company:

To get a pre-listing appraisal (whether they're selling the home on their own or using a real estate agent)
Challenge property tax assessments
To lower their monthly mortgage payment by removing PMI
To reinstate their Home Equity Line of Credit (HELOC)
To review a different appraiser's report for verification
If real estate property needs to be divided because of a divorce
Determine the true market value of property in question to settle an estate

Do you own a home in or near Bardstown? Do you need help determining the value of your real estate?
Contact Florence Appraisal Company.

At Florence Appraisal Company, we understand the special needs of a consumer seeking appraisal services. Our customary business clients get the appraisal process and the customary reporting formats. But as a general consumer,you can expect extra guidance and explanations through the appraisal process to more clearly understand what we do and how we present our findings.

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

Since you have an emotional attachment to your house, it's often very hard to be objective about it. Our professional appraisers at Florence Appraisal Company 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 many interested buyers, a professional appraisal is very important as a negotiating tool once you have an attainable buyer. It gives you something concrete to show the buyer. An appraisal is an independent third party's opinion of your home's value -- not just how much your home is worth. Potential buyers assume you have an emotional attachment to your home and will be more likely to give credibility to a professional appraiser's value report than yours.

Appraisals to remove PMI

Getting the PMI (Private Mortgage Insurance) eliminated from your mortgage loan is a popular way to cut expenses for homeowners. Once your mortgage loan is below 80% of the value of your home, in most cases you can apply to a lender to have the PMI removed from your loan, which will make your monthly payments go down. Florence Appraisal Company is seasoned in helping customers just like you rid themselves of unnecessary PMI insurance.

Challenging Nelson county's assessment of your property

Lets say you live in a region that's declining -- your local tax assessor may have your house overvalued. This only means you're paying higher taxes than you should be paying. The earlier you take care of a matter like this, the better off you'll be, since your property assessment may likely go up again in the next period. An expert appraisal from Florence Appraisal Company is your best weapon when challenging your property tax assessment.

HELOC recently frozen?

Even if your specific property has not declined in value, your lender might choose to automatically freeze your home equity line of credit (HELOC) if your house is close to a declining area. This can this be troublesome from a cash flow angle, and bad for your credit score since it may appear as though that credit line is maxed out. An expert appraisal from Florence Appraisal Company can help you reinstate your HELOC.

Do You Need Field and Desktop Appraisal Review Services?

Would you wish a second opinion without the added expense and delay of waiting for a whole new appraisal? Or do you need a seasoned expert to double-check your appraisal for efficiency? In a field review we will go out and check the subject and comps. If you need it immediately, we'll 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? We can help you with that Even though this is typically requested by banks, you may wish to exercise this service if you suspect mortgage fraud related to your home.