Appraisal services for Paris and Bourbon County homeowners

Here are the top reasons KY homeowners use Sutherland Realty Company:

  1. To get a pre-listing appraisal (whether they're selling the home on their own or using a real estate agent)
  2. Challenge a property tax assessment
  3. Remove PMI to cut your monthly mortgage payment
  4. Reinstate your Home Equity Line of Credit (or HELOC)
  5. To review a different appraiser's report for verification
  6. If property needs to be divided because of a divorce
  7. To settle an estate in Bourbon county or KY by determining the true market value of real estate in question

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

At Sutherland Realty Company, we understand the individual needs of a homeowner after appraisal services. While our typical clients understand the appraisal process and standard reporting formats, you as a consumer will get extra service in the form of an explanation of the process and even special consumer-friendly reporting forms if the assignment allows for them.

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

Since you have an emotional attachment to your home, it's often very hard to be objective about 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 very valuable as a negotiating tool once you have an interested buyer, in addition to helping you set a realistic price to sell at so your property will attract interested buyers. It gives you something tangible to show your buyer. The appraisal is an independent third party's opinion of your house's value, not just how much your home is worth. Interested buyers know that you have an emotional attachment to your home and will be far more likely to give credibility to an expert appraiser's value judgement than yours.

Appraisals to cancel PMI

An attractive way to cut costs for homeowners is to get 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 the lender to have the PMI canceled from your loan, which will make your monthly payments go down. Sutherland Realty Company is qualified in helping consumers just like you do away with unneeded PMI insurance.

Challenge a property tax assessment

Your local tax assessor may have your home overvalued if your house not appreciating as much as other properties nearby. That only means you're probably paying more taxes than you should. Since your property assessment may likely go up again in the next period, the earlier you take care of a matter like this, the better. When challenging your property tax assessment, getting an expert appraisal from Sutherland Realty Company is your chief weapon.

HELOC recently frozen?

Even if your specific property has not declined in value, your lender may just make the decision to automatically freeze your home equity line of credit (HELOC) if your property is in or near a declining area. This can be be harmful to your credit score since it may appear as though that credit line is maxed out, and also unsuitable from a cash flow point of view. Sutherland Realty Company can help you reinstate your home equity line of credit with an expert appraisal.

Field and Desktop Appraisal Review Services

Have you just accepted a copy of your appraisal and you would like to have a seasoned professional double-check it for preciseness or do you desire a second opinion without the added cost and delay of waiting for a whole new appraisal? In a field review we'll go out and check the subject and comps. Or, if you need it ASAP, 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.

Do you need a retrospective review of an appraisal? Sutherland Realty Company can help you with that. While usually requested by banks, you may wish to exploit this service if you suspect mortgage fraud related to your property.