Need an appraisal in Scottsville or Allen County?

The top 7 reasons why KY homeowners need Direct Appraisals:

To get a pre-listing appraisal (whether they're selling the home on their own or using an agent)
Challenge a property tax assessment
Remove PMI to lower your mortgage payment
Reinstate their Home Equity Line of Credit (or HELOC)
Verify another appraiser's report
In the case of a KY divorce, where real estate needs to be divided
Determine the true market value of real estate in question to settle an estate in Allen county or KY

Do you own a house in or near Scottsville? Do you need help determining the value of your real estate?
Contact Direct Appraisals.

At Direct Appraisals, we understand the particular needs of a homeowner after appraisal services. While our typical clients understand the appraisal process and standard reporting formats, you as a consumer will get extra customer 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 (FSBO) / Pre-Listing Services

It's very hard to be objective about your home because you most likely have an emotional attachment to it. Professional appraisers, like the ones at Direct Appraisals, will be 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 price to sell at so your home will attract interested buyers, a professional appraisal is very valuable as a negotiating tool once you have a likely buyer. The appraisal is something concrete to show the buyer. The appraisal is an independent third party's opinion of your property's value, not just how much your house is worth. Interested buyers assume you have an emotional attachment to your house and will be more likely to give credibility to a qualified appraiser's value judgement than yours.

Need to cancel PMI?

PMI stands for Private Mortgage Insurance. 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. Your monthly payments will go down once your mortgage loan amount is down below 80% of the value of your property. In most cases you can apply to the lender to have the PMI canceled from your loan. We are veterans in helping clients just like you dismiss unwanted PMI insurance.

Challenging Allen county's assessment of your property

Your local tax assessor may have your home overvalued if you live in a region that's declining or is not appreciating as much as other houses nearby. This only means you are most likely paying higher taxes than you should be paying. The faster 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 expert appraisal from Direct Appraisals is your #1 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 home is in a declining area -- even if your specific property has not declined in value. This can this be difficult from a cash flow point of view, and detrimental to your credit score since it may appear as though that credit line is maxed out. Direct Appraisals can help you reinstate your HELOC.

We Provide Field and Desktop Appraisal Review Services

Do you need a professional to double-check your appraisal for precision, or do you desire a second opinion without the added expense and delay of waiting for a whole new appraisal? We can go out and check the subject and comparables in a field review. If you need it 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 you may have had in the past. Even though this is typically requested by banks, you may want to exploit this service if you suspect mortgage fraud related to your house.