Attention homeowners in Bowling Green and Warren County: Get an Appraisal today!

The top reasons Kentucky homeowners need Southern Kentucky Appraisals:

To get a pre-listing appraisal (whether you're using a real estate agent or selling the home on your own)
Challenge Warren County's assessment of your property
Remove PMI to cut their mortgage payments
Reinstate your Home Equity Line of Credit (HELOC)
To review another appraiser's report for verification
If real estate needs to be divided because of a divorce
Settle an estate in Kentucky by determining the true market value of real estate


	Do you own a home in or near Bowling Green? Do you need help determining the price of your real estate? Contact Southern Kentucky Appraisals.

We at Southern Kentucky Appraisals understand the special needs of a consumer after appraisal services. Our typical business clients understand the appraisal process and the usual "products" we deliver to them. As our client, we will provide you with 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

It's very hard to be objective about your own house because you most likely have an emotional attachment to it. A professional appraiser is objective and will tell you what you need to know, not just what you want to hear. In addition to helping you set a realistic price to sell at so your house will attract many interested buyers, a professional appraisal is a very valuable negotiating tool once you have an attainable buyer. It gives you something tangible to show your 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 house and will be more likely to give credibility to a qualified appraiser's value report than yours.

Challenge a property tax assessment

Let's say you live in a region that is declining -- your local tax assessor may have your home overvalued. This means you are paying higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the earlier you take care of things like this, the better. When contesting your property tax assessment, getting an appraisal from Southern Kentucky Appraisals is your #1 weapon.

PMI Removal Appraisals

A popular way to cut costs for homeowners is getting 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 down below 80% of the value of your property, in most cases you can apply to your lender to have the PMI removed from your loan, which will make your monthly payments go down. We are qualified in helping clients just like you remove unneeded and unwanted PMI insurance.

Was your HELOC recently frozen?

If your house is close to a declining area, your lender might decide to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can be bad for your credit score since it may appear as though that credit line is maxed out, and also inconvenient from a cash flow standpoint. Southern Kentucky Appraisals can help you reinstate your HELOC.

Field and Desktop Appraisal Review Services

Would you prefer a second opinion without the cost and delay of waiting for a whole new appraisal? Or do you need a seasoned professional to double-check your appraisal for verity? An appraiser from Southern Kentucky Appraisals can go out and check the subject and comps in question in a field review. If you're in a hurry, we'll 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 you with a retrospective review of any appraisal report you may have had in the past. Although 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.