Attention homeowners in Louisville and Jefferson County: Need an appraisal?

The top reasons KY homeowners need Brian J Sanderfer Appraisal Service:

Find the right listing price (whether you're using an agent or selling the home on your own)
Challenge a property tax assessment
To lower their mortgage payments by removing PMI
To reinstate your Home Equity Line of Credit (HELOC)
To review another appraiser's report for verification
If property needs to be divided because of a divorce
To settle an estate in Jefferson county or KY by determining the true market value of property in question

Own a house in or near Louisville, KY and need help deciding the price of it?
Contact Brian J Sanderfer Appraisal Service.

We at Brian J Sanderfer Appraisal Service 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

It's very hard to be objective about your home because of your emotional attachment to it. The professional appraisers at Brian J Sanderfer Appraisal Service will tell you what you need to know -- not just what you want to hear. We are objective. In addition to helping you set a realistic selling price so your property will attract buyers, a professional appraisal is very crucial as a negotiating tool once you have a potential buyer. The appraisal is something tangible to show the buyer. The appraisal is an independent third party's opinion of your property's price, not just you saying how much you think your house is worth. Interested buyers know that you have an emotional attachment to your home and will be far more likely to give credibility to a seasoned appraiser's value judgement than yours.

Appraisals to cancel PMI

A popular way to save money for homeowners is to get the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Once your mortgage loan amount is less than 80% of the value of your house, in most cases you can apply to a lender to have the PMI eliminated from your loan, which will make your monthly payments go down. We're qualified in helping homeowners just like you get rid of undesirable PMI insurance.

Challenge property tax assessments

Lets say your house is not appreciating as much as other properties close by -- your local tax assessor may have your house overvalued. This means you're going to pay 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. An expert appraisal from Brian J Sanderfer Appraisal Service is your #1 weapon when challenging your property tax assessment.

HELOC recently frozen?

Even if your specific property has not declined in value, your lender may just make the decision to automatically freeze your home equity line of credit (HELOC) if your home is in or near a declining area. This can this be difficult and inconvenient from a cash flow point of view, and unfavorable to your credit score since it may appear as though that credit line is maxed out. Brian J Sanderfer Appraisal Service can provide you with a professional appraisal to help you reinstate your home equity line of credit.

Need Field and Desktop Appraisal Review Services?

Do you need an expert to double-check your appraisal for precision, or do you desire a second opinion without the cost and delay of waiting for a whole new appraisal? We can go out and check the subject and comps in a field review. Or, if you need it ASAP, 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? Brian J Sanderfer Appraisal Service can We can assist you. Even though this is typically requested by banks, you may desire to take advantage of this service if you suspect mortgage fraud related to your property.