Appraisal services for Florence and Boone County homeowners
See the top reasons Kentucky homeowners hire Comprehensive Valuation Services, LLC:
We at Comprehensive Valuation Services, LLC understand the particular needs of a consumer in need of appraisal services. Our customary business clients get the appraisal process and the standard reporting formats. Being a regular person not in the real estate industry that most likely doesn't look at appraisals every day, you can expect extra guidance and explanations through the appraisal process to better understand what we do and how we document our findings.
Pre-listing Services/For Sale by Owner (FSBO)It's very hard to be objective about your own home because of your emotional attachment to it. Our professional appraisers at Comprehensive Valuation Services, LLC 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 price to sell at so your home will attract interested buyers, a professional appraisal is a very important negotiating tool once you have a potential buyer. It gives you something tangible to show the buyer. The appraisal is an independent third party's opinion of your property's value, not just how much you think your house is worth. Interested buyers know that you have an emotional attachment to your house and will be more likely to give credibility to a professional appraiser's value opinion than yours.
Challenge Tax AssessmentYour local tax assessor may have your house overvalued if you live in an area that's declining or is not appreciating as much as other properties close by. That means you're probably paying more taxes than you should. The quicker you take care of a matter like this, the better, since your property assessment may likely go up again in the next period. When challenging your property tax assessment, getting an appraisal from Comprehensive Valuation Services, LLC is your number one weapon.
Appraisals to cancel PMIGetting the PMI (Private Mortgage Insurance) canceled from your mortgage loan is a fashionable money saver for homeowners. Your monthly payments will go down once your mortgage loan amount is less than 80% of the value of your home. In most cases you can apply to a lender to have the PMI eliminated from your loan. At Comprehensive Valuation Services, LLC, we're qualified in helping folks just like you dismiss unneeded PMI insurance.
Was your HELOC recently frozen?Even if your specific property has not declined in value, your lender may just decide to automatically freeze your home equity line of credit (HELOC) if your house is in a declining area. This can be bad for your credit score since it may appear as though that credit line is maxed out, and also difficult and inconvenient from a cash flow standpoint. Comprehensive Valuation Services, LLC can help you reinstate your home equity line of credit with a professional appraisal.
We Also Provide Field and Desktop Appraisal Review ServicesDo you need a veteran appraiser to double-check your appraisal for efficiency, or do you want a second opinion without the charge and delay of waiting for a whole new appraisal? An appraiser from Comprehensive Valuation Services, LLC can go out and check the subject and comps in question in a field review. Or, if you're in a hurry, 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.
We can also provide a retrospective review of any appraisal you may have in your possession. Even though most appraisal reviews are commissioned by lenders, homeowners that have reason to believe they've been the victim of mortgage fraud are wise to get a second opinion.