Real estate appraisal services for homeowners in the city of Ashland and Boyd County

The top seven reasons why KY homeowners order from LMV Appraisals:

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

Do you own a home in or near Ashland? Do you need help deciding the value of your real estate?
Contact LMV Appraisals.

We at LMV Appraisals understand the individual needs of a consumer after appraisal services. Our usual business clients are used to the appraisal process and the usual reporting formats. Being a person not in the real estate business that probably doesn't look at appraisals every day,you'll receive extra guidance and explanations through the appraisal process to more fully understand what we do and how we present the results of our analysis.

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

It's very hard to be objective about your house because you probably have an emotional attachment to it. Our professional appraisers at LMV Appraisals are objective. We won't just tell you what you want to hear, we'll tell you what you need to know. In addition to helping you set a realistic selling price so your property will attract interested buyers, a professional appraisal is a very important negotiating tool once you have an interested buyer. It gives you something tangible to show your buyer. An appraisal is an independent third party's opinion of your property's value -- not just how much you think your home is worth. Potential buyers know you have an emotional attachment to your house and will be more likely to give credibility to an expert appraiser's value assessment than yours.

Appraisals to remove PMI

Getting the PMI (Private Mortgage Insurance) removed from your mortgage loan is a fashionable money saver for homeowners. Your monthly payments will go down once your mortgage loan is less than 80% of the value of your home. In most cases you can apply to the lender to have the PMI canceled from your loan. At LMV Appraisals, we're seasoned in helping people just like you get rid of undesirable PMI insurance.

Challenging Boyd county's assessment of your property

If you live in a local area that is going down or is not appreciating as much as other properties close by, your local tax assessor may have your house overvalued. This only means you are probably paying higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the quicker you take care of a matter like this, the better off you'll be. An appraisal from LMV Appraisals is your perfect weapon when contesting your property tax assessment.

HELOC recently frozen?

Your lender just might make the decision to automatically freeze your home equity line of credit (HELOC) if your property is in or near a declining area -- even if your specific property has not declined in value. This can be be damaging to your credit score since it may appear as though that credit line is maxed out, and also inconvenient from a cash flow point of view. An efficient appraisal from LMV Appraisals can help you reinstate your HELOC.

Do You Need Field and Desktop Appraisal Review Services?

Have you just accepted a copy of your appraisal and you'd prefer to have a seasoned expert double-check it for preciseness or do you want a second opinion without the cost and delay of waiting for a whole new appraisal? LMV Appraisals offers field reviews where we'll go out and check the subject and comparables. Or, if you need it immediately, we can provide 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 report? LMV Appraisals can We can assist you. Even though this is usually requested by banks, you may want to use this service if you suspect mortgage fraud related to your house.