Attention homeowners: Real estate appraisal services for in Morehead and Rowan County

Check out the top reasons KY homeowners order from Neal Appraisals, LLC:

  1. To get a pre-listing appraisal (whether you're using an agent or selling the home on your own)
  2. Challenge Rowan county's assessment of your property
  3. To lower their monthly mortgage payment by removing PMI
  4. Reinstate your Home Equity Line of Credit (or HELOC)
  5. Verify another appraiser's report
  6. In the case of a KY divorce, where real estate property needs to be divided
  7. To determine the true market value of real estate in question to settle an estate

Do you own a house in or near Morehead? Do you need help determining the value of your real estate?
Contact Neal Appraisals, LLC.

At Neal Appraisals, LLC, we understand the individual needs of a consumer looking for appraisal services. Our customary business clients get the appraisal process and the standard documents we provide. As our valued client, we'll be sure you get extra guidance and explanations through the appraisal process to more clearly understand what we do and how we present the results of our analysis.

Pre-listing Services/For Sale By Owner

It's very hard to be objective about your own home because you probably have an emotional attachment to it. The professional appraisers at Neal Appraisals, LLC will tell you what you need to know -- not just what you want to hear. We are objective. In addition to helping you set a realistic selling price so your house will attract buyers, a professional appraisal is a very important negotiating tool once you have an attainable buyer. The appraisal is something concrete to show your buyer. It's an independent third party's opinion of your property's value, and not just how much you think your house is worth. Potential buyers know that you have an emotional attachment to your house and will be far more likely to give credibility to an expert appraiser's value judgement than yours.

PMI Removal Appraisals

A preferred way to cut costs for homeowners is to get the PMI eliminated 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 less than 80% of the value of your property. In most cases you can apply to the lender to have the PMI canceled from your loan. We're seasoned in helping customers just like you rid themselves of undesirable PMI insurance.

Challenge property tax assessments

Lets say you live in a local area that's going down -- your local tax assessor may have your house overvalued. That means you're paying more taxes than you should. The faster 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. Getting an appraisal report from Neal Appraisals, LLC is your best weapon when challenging your property tax assessment.

Was your HELOC recently frozen?

Your lender just might decide to automatically freeze your home equity line of credit (HELOC) if your house is close to a declining area -- even if your specific property has not declined in value. Not only can this be inopportune from a cash flow viewpoint, but it can be negative on your credit score since it may appear as though that credit line is maxed out. Neal Appraisals, LLC can provide you with an expert appraisal to help you reinstate your home equity line of credit.

Field and Desktop Appraisal Review Services

Do you need an expert to double-check your appraisal for preciseness, or do you desire a second opinion without the charge and delay of waiting for a whole new appraisal? In a field review we'll go out and check the subject and comps. If you need it 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.

Do you need a retrospective review of an appraisal? Neal Appraisals, LLC can help you with that. Even though this is usually requested by banks, you may want to use this service if you suspect mortgage fraud related to your home.