Attention homeowners in Barbourville and Knox County: Get an Appraisal today!

The top 7 reasons why KY homeowners need Creative Realty:

  1. To get a pre-listing appraisal (whether they're selling the home themselves or using a real estate agent)
  2. Challenge Knox county's assessment of your propertyworth
  3. Remove PMI to reduce a mortgage payments
  4. Reinstate your Home Equity Line of Credit (or HELOC)
  5. Review another appraiser's report for verification
  6. In the case of a KY divorce, when real estate needs to be divided
  7. Settle an estate in KY by determining the true market value of property in question

Own a home in or near Barbourville, KY and need help deciding the value of it?
Contact Creative Realty.

We at Creative Realty understand the special needs of a consumer after appraisal services. Our business practices and reporting formats are familiar to our business clients like lenders, attorneys, and accountants. Being a person not in the real estate business that ordinarily doesn't look at appraisals on a regular basis,you can expect extra guidance and explanations through the appraisal process to more clearly understand what we do and how we report our conclusions.

For Sale By Owner/Pre-Listing Services

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. A professional appraisal is a very valuable negotiating tool once you have an interested buyer, in addition to helping you set a realistic selling price so your home will attract buyers. The appraisal is something concrete to show the buyer. An appraisal is an independent third party's opinion of your house's price -- not just you saying how much your house is worth. Potential buyers know you have an emotional attachment to your house and will be much more likely to give credibility to a professional appraiser's value judgement than yours.

Appraisals to cancel PMI

A popular way to cut expenses for homeowners is to get the PMI removed 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 is less than 80% of the value of your home. In most cases you can apply to a lender to have the PMI canceled from your loan. We're veterans in helping customers just like you rid yourselves of unwanted PMI insurance.

Challenging Knox county's assessment of your property

Your local tax assessor may have your house overvalued if your home is not appreciating as much as other properties close to yours. This means you are going to pay higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the faster you take care of a matter like this, the better. When contesting your property tax assessment, getting a professional appraisal from Creative Realty is your best weapon.

Was your 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 property is in or near a declining area. Not only can this be annoying from a cash flow viewpoint, but it can be harmful to your credit score since it may appear as though that credit line is maxed out. Creative Realty can provide you with efficient appraisal that will help you reinstate your HELOC.

Field and Desktop Appraisal Review Services

Do you need a seasoned expert to double-check your appraisal for precision, or do you desire a second opinion without the added expense and delay of waiting for a whole new appraisal? In a field review we will go out and check the subject and comparables. Or, if you need it in a rush, 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.

Need a retrospective review of an appraisal? We can We can assist you Even though this is typically requested by banks, you may desire to exploit this service if you suspect mortgage fraud related to your property.