Attention homeowners in Bowling Green and Warren County: Need an appraisal?

See the top 7 reasons KY homeowners order from Rivers Appraisals:

  1. To get a pre-listing appraisal (whether you're using an agent or selling the home on your own)
  2. Challenge a property tax assessment
  3. Remove PMI to reduce their monthly mortgage payment
  4. To reinstate their Home Equity Line of Credit (or HELOC)
  5. Review another appraiser's report for verification
  6. In the case of a KY divorce, when property needs to be divided
  7. Determine the true market value of real estate in question to settle an estate in Warren county or KY

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

At Rivers Appraisals, we understand the special needs of a consumer looking for 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/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 Rivers Appraisals are objective. We won't just tell you what you want to hear, we will tell you what you need to know. In addition to helping you set a realistic selling price so your house will attract interested buyers, a professional appraisal is a very valuable negotiating tool once you have a potential buyer. It gives you something concrete to show the buyer. The appraisal is an independent third party's opinion of your home's price, not just you saying how much you think your home is worth. Potential 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 conclusion than yours.

Appraisals to remove PMI

Getting the PMI (Private Mortgage Insurance) eliminated from your mortgage loan is a preferred way to cut costs for homeowners. Once your mortgage loan amount is below 80% of the value of your house, in most cases you can apply to the lender to have the PMI removed from your loan, which will make your monthly payments go down. We're veterans in helping consumers just like you dismiss unnecessary PMI insurance.

Challenge property tax assessments

Lets say you live in a local area that is declining -- your local tax assessor may have your house overvalued. This only means you're going to pay higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the faster you take care of a matter like this, the better off you'll be. An appraisal report from Rivers Appraisals is your strongest weapon when contesting your property tax assessment.

HELOC recently frozen?

Even if your specific property has not declined in value, your lender just might decide to automatically freeze your home equity line of credit (HELOC) if your home is close to a declining area. Not only can this be disadvantageous from a cash flow viewpoint, but it can be bad for your credit score since it may appear as though that credit line is maxed out. Rivers Appraisals can help you reinstate your home equity line of credit with a professional appraisal.

Field and Desktop Appraisal Review Services

Have you just been given a copy of your appraisal and you would prefer to have a veteran appraiser double-check it for efficiency or do you desire a second opinion without the charge and delay of waiting for a whole new appraisal? Rivers Appraisals offers field reviews where we go out and check the subject and comparables. Or, if you need it in a rush, 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.

We can also provide you with a a retrospective review of any appraisal you may have in your possession. Even though this is usually requested by banks, you may desire to exploit this service if you suspect mortgage fraud related to your house.