Attention homeowners: Real estate appraisal services for in Louisville and Jefferson County

Here are the top 7 reasons why KY homeowners call on William R. Sanderfer:

  1. Get a pre-listing appraisal (whether you're using a real estate agent or selling the home on your own)
  2. To challenge a KY property tax assessment
  3. To reduce a mortgage payment by removing PMI
  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, where real estate needs to be divided
  7. Settle an estate in KY by determining the true market value of real estate in question

Do you own a house in or near Louisville? Do you need help determining the value of your real estate?
Contact William R. Sanderfer.

At William R. Sanderfer, we understand the unique needs of a customer in need of appraisal services. While our usual 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.

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

It's very hard to be objective about your house because you most likely have an emotional attachment to it. Our professional appraisers at William R. Sanderfer 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 price to sell at so your house will attract buyers, a professional appraisal is very crucial as a negotiating tool once you have a likely buyer. The appraisal is something tangible to show your buyer. It's an independent third party's opinion of your house's value, and not just you saying how much your home is worth. Potential buyers assume you have an emotional attachment to your home and will be more likely to give credibility to a professional appraiser's value report than yours.

Appraisals to cancel PMI

Getting the PMI (Private Mortgage Insurance) canceled from your mortgage loan is a preferred way to cut costs for homeowners. 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 eliminated from your loan, which will make your monthly payments go down. We're qualified in helping clients just like you get rid of unnecessary PMI insurance.

Challenging Jefferson county's assessment of your property

If you live in a local area that is going down or not appreciating as much as other houses nearby, your local tax assessor may have your house 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. An appraisal report from William R. Sanderfer is your number one weapon when contesting your property tax assessment.

Recently got a freeze your HELOC?

Your lender might just decide to automatically freeze your home equity line of credit (HELOC) if your property is in a declining area -- even if your specific property has not declined in value. This can this be inopportune from a cash flow angle, and harmful to your credit score since it may appear as though that credit line is maxed out. An expert appraisal from William R. Sanderfer can help you reinstate your HELOC.

We Also Offer Field and Desktop Appraisal Review Services

Have you just been given a copy of your appraisal and you'd like to have a seasoned professional double-check it for verity or do you want a second opinion without the charge and delay of waiting for a whole new appraisal? We can go out and check the subject and comps in question in a field review. Or, if you're in a hurry, 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.

Do you need a retrospective review of an appraisal report? William R. Sanderfer can We can assist you. Even though this is usually requested by banks, you may need to exploit this service if you suspect mortgage fraud related to your property.