Attention homeowners: Real estate appraisal services for in Owenton and Owen County

See the top 7 reasons why KY homeowners call on Troy Bramblett:

To get a pre-listing appraisal (whether you're using a real estate agent or selling the home on your own)
To challenge a KY property tax assessment
To reduce your mortgage payments by removing PMI
Reinstate your Home Equity Line of Credit (or HELOC)
Verify another appraiser's report
In the case of a KY divorce, when property needs to be divided
Determine the true market value of property in question to settle an estate in Owen county or KY

Own a home in or near Owenton, KY and need help determining the price of it?
Contact Troy Bramblett.

At Troy Bramblett, we understand the particular needs of a customer seeking appraisal services. While our usual business clients understand the appraisal process and standard reporting formats, you as a consumer will get an extra level of customer 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/Pre-Listing Services

Since you have an emotional attachment to your house, 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 important as a negotiating tool once you have a potential buyer, in addition to helping you set a realistic price to sell at so your home will attract interested buyers. It's something concrete to show your buyer. An appraisal is an independent third party's opinion of your property's value -- not just how much your house is worth. Interested buyers assume that 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.

Need to cancel PMI?

PMI stands for Private Mortgage Insurance. An attractive money saver for homeowners is to get the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan is less than 80% of the value of your house, in most cases you can apply to a lender to have the PMI removed from your loan, which will make your monthly payments go down. At Troy Bramblett, we're seasoned in helping homeowners just like you delete undesirable PMI insurance.

Challenging Owen county's assessment of your property

Lets say you live in a region that is declining -- your local tax assessor may have your house overvalued. That only means you are going to pay more taxes than you should. Since your property assessment may likely go up again in the next period, the earlier you take care of things like this, the better. A professional appraisal from Troy Bramblett is your perfect weapon when challenging your property tax assessment.

Recently got a freeze your HELOC?

If your home is in a declining area, your lender might just choose to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. Not only can this be unsuitable 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. Troy Bramblett can provide you with a professional appraisal to help you reinstate your home equity line of credit.

We Offer Field and Desktop Appraisal Review Services

Would you wish a second opinion without the charge and delay of waiting for a whole new appraisal? Or do you want a seasoned professional to double-check your appraisal for efficiency? Troy Bramblett offers field reviews where we'll go out and check the subject and comparables. If you need it immediately, 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.

Need a retrospective review of an appraisal report? We can help with that too. While usually requested by banks, you may wish to exploit this service if you suspect mortgage fraud related to your property.