There are lots of reasons people call on A & J Appraisers

Thousands of people in Kentucky purchase, sell or refinance their home each month. A lot of these transactions consist of a simple line item for an appraisal. The majority of lenders still call for a local expert because the stakes are so high, even though there are an increasing number of automated home valuation methods that may appear less expensive than an appraisal. But is obtaining a mortgage the only reason to acquire an appraisal? Are there other cases when the services of a certified, independent real estate professional might be beneficial? Of course.


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Let A & J Appraisers help you appeal your tax assessment in Letcher County

If you live in an area where property values have depreciated, it's possible you're paying too much in property taxes. An appraisal from A & J Appraisers is your best evidence when building your case. At A & J Appraisers, we're qualified to assist you in appealing your tax assessment.

A & J Appraisers can help you do away with PMI to lower your mortgage payment

Private Mortgage Insurance, or PMI, is an additional insurance policy that many lenders ask buyers to purchase when the amount being loaned to the home owner is more than 80% of the actual value of the real estate. More often than not, this additional payment is lumped into the monthly mortgage payment and is quickly forgotten. PMI becomes unnecessary when the leftover balance of the loan - whether through market appreciation or principal pay down - dips below the 80% mark, making this very unfortunate. In fact, the Homeowners Protection Act (HPA) of 1998 was approved by the United States Congress requiring lenders to eliminate the PMI payments on most mortgages when the balance is paid down to 78% of the original value.

If you'd like to eliminate PMI, A & J Appraisers will provide you with a statement regarding the value of your home. The expense of the appraisal can often be regained in a short amount of time because you'll no longer be paying the PMI.

Settling a divorce with less stress

A divorce can be a particularly traumatic event for both parties, and it is often even more complicated by the burdensome decision of who keeps the house. So both parties are completely aware of the true market value of their house, it's a good idea to get an appraisal from A & J Appraisers, regardless of the situation.

If the parties want to sell the home, they'll have a a good idea of what price to set. And on the flip side, if a "buyout" is the chosen option, both parties will feel like they've gotten a fair evaluation.

Settling an estate with peace of mind

Losing a loved one is a painful time in life, and settling an estate from a death, or probate, often requires an appraisal to establish Market Value for the real estate involved. We guarantee the utmost degree of discretion, as we're bound with confidentiality by the ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP).

Most Americans don't have dedicated estate planners or executors to take care of these affairs, unlike many wealthy individuals. A home or other property often makes up an unequal share of the total estate value, so understanding the true value of the real estate at hand is of essential importance to ensuring disputing parties walk away knowing they've received an honest deal.

Relocating to or from Letcher County?

We are familiar with the stress involved with an employee relocation. We take great care in organizing an accommodating appointment time for the appraisal inspection. We encourage relocating employees to provide feedback on the positive features of their property, along with information regarding any recent sales or listings in their neighborhood that they want considered during our intensive process.

Sell your home quickly at the right price with an appraisal from A & J Appraisers

A professional appraisal will help you make a more informed decision regarding your asking price, whether you decide to sell your home on your own or with the help of a real estate agent. An appraiser has no vested interest in what amount the house sells for, unlike real estate agents. Our fees are based on our efforts to finish the appraisal report and and aren't related to the sales price.

On a daily basis, we determine the difference in value things like an extra bathroom or a kitchen remodel can make. Obtaining a professional appraisal is a reliable way to decide what improvements will add value and what a suitable sales price is for your home - so you don't come up short or have your house on the market an unnecessarily long time - because we're experts in knowing how long houses stay on the market.