Attention homeowners in Bowling Green and Warren County: Need an appraisal?

Here are the top reasons KY homeowners hire L & B Appraisals:

Find the right listing price (whether you're using a real estate agent or selling the home on your own)
To challenge a KY property tax assessment
Remove PMI to reduce their mortgage payments
Reinstate your Home Equity Line of Credit (HELOC)
Review another appraiser's report for verification
If real estate needs to be divided because of a divorce
To settle an estate in KY by determining the true market value of real estate in question

Own a house in or near Bowling Green, KY and need help deciding the price of it?
Contact L & B Appraisals.

At L & B Appraisals, we understand the special needs of a homeowner seeking appraisal services. The appraisal process and reporting formats are familiar to our business clients like banks, attorneys, and CPAs. As our client, you can expect 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 house because of your emotional attachment to it. The professional appraisers at L & B Appraisals 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 home will attract buyers, a professional appraisal is very crucial as a negotiating tool once you have an attainable buyer. It's something tangible to show the buyer. The appraisal is an independent third party's opinion of your home's price, not just you saying how much you think your home is worth. Potential buyers know that you have an emotional attachment to your home and will be far more likely to give credibility to an experienced appraiser's value conclusion than yours.

Appraisals to cancel PMI

PMI stands for Private Mortgage Insurance. An attractive way to save money for homeowners is to get the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. Your monthly payments will go down 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 eliminated from your loan. L & B Appraisals is qualified in helping consumers just like you rid yourselves of unneeded PMI insurance.

Challenge a property tax assessment

Your local tax assessor may have your home overvalued if your home not appreciating as much as other homes nearby. That only means you are probably paying more taxes than you should. The faster you take care of a matter like this, the better, since your property assessment may likely go up again in the next period. An appraisal report from L & B Appraisals is your perfect 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 in a declining area -- even if your specific property has not declined in value. Not only can this be inconvenient from a cash flow standpoint, but it can be unfavorable to your credit score since it may appear as though that credit line is maxed out. L & B Appraisals can provide you with a professional appraisal to help you reinstate your home equity line of credit.

Do You Need Field and Desktop Appraisal Review Services?

Would you wish a second opinion without the cost and delay of waiting for a whole new appraisal? Or do you desire a seasoned professional to double-check your appraisal for accuracy? In a field review we'll go out and check the subject and comparables. Or, if you're in a hurry, we can provide 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 report you may have had in the past. While typically requested by banks, you may desire to make use of this service if you suspect mortgage fraud related to your house.