Need an appraisal in Mount Olivet or Robertson County?
Here are the top seven reasons why KY homeowners use FRYMAN&FRYMAN ENTERPRISES:
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Get a pre-listing appraisal (whether you're using an agent or selling the home on your own)
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Challenge property tax assessments
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Remove PMI to cut your monthly mortgage payment
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To reinstate their Home Equity Line of Credit (or HELOC)
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To review a different appraiser's report for verification
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If property needs to be divided because of a divorce
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Settle an estate in KY by determining the true market value of real estate in question
At FRYMAN&FRYMAN ENTERPRISES, we understand the particular needs of a consumer in need of appraisal services. While our usual 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.
Pre-listing Services/For Sale By Owner (FSBO)
Since you have an emotional attachment to your home, it's often very hard to be objective about it. Professional appraisers, like the ones at FRYMAN&FRYMAN ENTERPRISES, are objective. We will tell you what you need to know, not just what you want to hear. In addition to helping you set a realistic selling price so your home will attract many interested buyers, a professional appraisal is a very valuable negotiating tool once you have a potential buyer. The appraisal is something tangible to show your buyer. It's an independent third party's opinion of your home's price, and not just you saying how much you think your house is worth. Potential buyers know you have an emotional attachment to your house and will be far more likely to give credibility to a qualified appraiser's value report than yours.
PMI Removal Appraisals
An attractive way to cut expenses 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 amount is below 80% of the value of your property. In most cases you can apply to a lender to have the PMI eliminated from your loan. FRYMAN&FRYMAN ENTERPRISES is veterans in helping customers just like you do away with unneeded PMI insurance.
Challenging property tax assessments
Your local tax assessor may have your home overvalued if your home not appreciating as much as other properties nearby. That only means you are probably paying more taxes than you should. The earlier you take care of a matter like this, the better, since your property assessment may likely go up again in the next period. Getting an appraisal report from FRYMAN&FRYMAN ENTERPRISES is your perfect weapon when challenging your property tax assessment.
Recently got a freeze your HELOC?
If your property is in a declining area, your lender just might make the decision to automatically freeze your home equity line of credit (HELOC) - 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 inopportune from a cash flow standpoint. An efficient appraisal from FRYMAN&FRYMAN ENTERPRISES can help you reinstate your HELOC.
Need Field and Desktop Appraisal Review Services?
Do you need a professional to double-check your appraisal for verity, or do you desire a second opinion without the charge and delay of waiting for a whole new appraisal? In a field review we'll go out and check the subject and comps. If you need it ASAP, 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.
We can also provide you with a a retrospective review of any appraisal report you may have had in the past. While typically requested by banks, you may desire to employ this service if you suspect mortgage fraud related to your house.
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