Attention homeowners: Real estate appraisal services for in London and Laurel County

Here are the top 7 reasons why KY homeowners call on Humfleet & Hopkins:

  1. To get a pre-listing appraisal (whether they're selling the home on their own or using a real estate agent)
  2. Challenge property tax assessments
  3. To lower a mortgage payments by removing PMI
  4. To reinstate their Home Equity Line of Credit (HELOC)
  5. Review another appraiser's report for verification
  6. If property needs to be divided because of a divorce
  7. To determine the true market value of real estate in question to settle an estate in KY

Own a house in or near London, KY and need help deciding the price of it?
Contact Humfleet & Hopkins.

We at Humfleet & Hopkins understand the special needs of a customer after appraisal services. Our typical business clients are used to the appraisal process and the usual reporting formats. But as a consumer,we'll be sure you get extra guidance and explanations through the appraisal process to better understand what we do and how we document our findings.

For-Sale-By-Owner (FSBO) / Pre-Listing Services

It's very hard to be objective about your own home because you most likely have an emotional attachment to it. The professional appraisers at Humfleet & Hopkins 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 interested buyers, a professional appraisal is a very valuable negotiating tool once you have an interested buyer. It gives you something concrete to show your buyer. It's an independent third party's opinion of your home's price, and not just you saying how much you think your house is worth. Potential buyers know that you have an emotional attachment to your house and will be much more likely to give credibility to an expert appraiser's value conclusion than yours.

Appraisals to cancel PMI

Getting the PMI (Private Mortgage Insurance) removed from your mortgage loan is a preferred way to save money for homeowners. Once your mortgage loan is below 80% of the value of your home, in most cases you can apply to your lender to have the PMI canceled from your loan, which will make your monthly payments go down. We're qualified in helping people just like you rid yourselves of undesirable PMI insurance.

Challenging Laurel county's assessment of your property

If you live in a region that is declining or is not appreciating as much as other homes close by, your local tax assessor may have your house overvalued. That means you are going to pay more taxes than you should. The earlier 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 Humfleet & Hopkins is your number one weapon when challenging your property tax assessment.

HELOC recently frozen?

Your lender may just choose to automatically freeze your home equity line of credit (HELOC) if your home is in or near a declining area -- even if your specific property has not declined in value. This can be be bad for your credit score since it may appear as though that credit line is maxed out, and also difficult from a cash flow standpoint. A professional appraisal from Humfleet & Hopkins can help you reinstate your HELOC.

Need Field and Desktop Appraisal Review Services?

Have you just received a copy of your appraisal and you'd prefer to have a seasoned appraiser double-check it for efficiency or do you need a second opinion without the charge and delay of waiting for a whole new appraisal? An appraiser from Humfleet & Hopkins can go out and check the subject and comps in question in a field review. If you're in a rush, 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.

Do you need a retrospective review of an appraisal? Humfleet & Hopkins can help you with that. Even though this is typically requested by banks, you may wish to utilize this service if you suspect mortgage fraud related to your home.