Attention homeowners: Real estate appraisal services for in Hopkinsville and Christian County

The top seven reasons why KY homeowners need Bruce Ladd Appraisals:

Find the right listing price (whether they're selling the home on their own or using an agent)
Challenge Christian county's assessment of your propertyworth
Remove PMI to reduce your monthly mortgage payment
To reinstate your Home Equity Line of Credit (or HELOC)
To review another appraiser's report for verification
In the case of a KY divorce, when property needs to be divided
To determine the true market value of real estate in question to settle an estate in Christian County or the state of KY

Own a home in or near Hopkinsville, KY and need help deciding the price of it?
Contact Bruce Ladd Appraisals.

At Bruce Ladd Appraisals, we understand the special needs of a consumer after appraisal services. Our typical business clients understand the appraisal process and the customary reporting formats. But as a consumer,you'll receive extra guidance and explanations through the appraisal process to more clearly understand what we do and how we report our findings.

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

Since you have an emotional attachment to your home, 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. The appraisal is something tangible to show the buyer. An appraisal is an independent third party's opinion of your home's value -- not just you saying how much you think your house is worth. Potential buyers assume you have an emotional attachment to your house and will be much more likely to give credibility to a professional appraiser's value estimation than yours.

Need to cancel PMI?

PMI stands for Private Mortgage Insurance. A fashionable way to cut costs for homeowners is getting the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan is below 80% of the value of your property, 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. We are experts in helping customers just like you rid yourselves of unnecessary PMI insurance.

Challenge a property tax assessment

If you live in a local area that is going down or not appreciating as much as other properties close to yours, your local tax assessor may have your home overvalued. That means you're paying 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 off you'll be. A professional appraisal from Bruce Ladd Appraisals is your chief weapon when contesting your property tax assessment.

Was your HELOC recently frozen?

Even if your specific property has not declined in value, your lender may choose to automatically freeze your home equity line of credit (HELOC) if your house is close to a declining area. 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. Bruce Ladd Appraisals can help you reinstate your home equity line of credit with an expert appraisal.

Need 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 an expert to double-check your appraisal for verity? Bruce Ladd Appraisals offers field reviews where we'll go out and check the subject and comps. 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? We can We can assist you While usually requested by banks, you may need to employ this service if you suspect mortgage fraud related to your home.