Appraisal services for Bowling Green and Warren County homeowners

Here are the top seven reasons KY homeowners use Napier Appraisal Company, LLC:

  1. Get a pre-listing appraisal (whether they're selling the home themselves or using a real estate agent)
  2. Challenge Warren county's assessment of your property
  3. Remove PMI to reduce their mortgage payments
  4. To reinstate their Home Equity Line of Credit (or HELOC)
  5. Verify a different appraiser's report
  6. If real estate needs to be divided because of a divorce
  7. Settle an estate in KY by determining the true market value of real estate in question

Need help determining the price of your house in or near Bowling Green, KY?
Contact Napier Appraisal Company, LLC.

We at Napier Appraisal Company, LLC understand the particular needs of a homeowner after appraisal services. Our regular business clients understand the appraisal process and the standard "products" we deliver to them. As our client, you will receive extra guidance and explanations through the appraisal process to understand what we do and how we document our findings.

Pre-listing Services/For Sale By Owner

It's very hard to be objective about your house because of your emotional attachment to it. The professional appraisers at Napier Appraisal Company, LLC will tell you what you need to know -- not just what you want to hear. We are objective. A professional appraisal is very crucial as a negotiating tool once you have a likely buyer, in addition to helping you set a realistic price to sell at so your home will attract interested buyers. It gives you something concrete to show your buyer. The appraisal is an independent third party's opinion of your home's price, not just how much you think your home is worth. Interested buyers know you have an emotional attachment to your house and will be far more likely to give credibility to a professional appraiser's value report than yours.

PMI Removal Appraisals

A fashionable money saver for homeowners is getting the PMI eliminated 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 down below 80% of the value of your property. In most cases you can apply to your lender to have the PMI canceled from your loan. We're experienced in helping consumers just like you rid themselves of unwanted PMI insurance.

Challenging a property tax assessment

If you live in a region that is declining or not appreciating as much as other properties nearby, your local tax assessor may have your house overvalued. This means you're going to pay higher taxes than you should be paying. The quicker you take care of a matter like this, the better, since your property assessment may likely go up again in the next period. An expert appraisal from Napier Appraisal Company, LLC is your best weapon when contesting your property tax assessment.

Was your HELOC recently frozen?

Your lender might choose to automatically freeze your home equity line of credit (HELOC) if your house is in a declining area -- even if your specific property has not declined in value. This can be be detrimental 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. Napier Appraisal Company, LLC can help you reinstate your home equity line of credit with efficient appraisal.

Field and Desktop Appraisal Review Services

Do you need a veteran appraiser to double-check your appraisal for efficiency, or do you desire a second opinion without the added expense and delay of waiting for a whole new appraisal? Napier Appraisal Company, LLC offers field reviews where we'll go out and check the subject and comps. If you're in a rush, we'll provide desk review and verify as many facts as we can using online data sources as well as our own files.

We can also provide you with a a retrospective review of any appraisal report you may have in your possession. While usually requested by banks, you may wish to utilize this service if you suspect mortgage fraud related to your house.