Real estate appraisal services for homeowners in the city of Louisville and Jefferson County

Check out the top seven reasons KY homeowners need Dennis Badger & Associates:

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

Do you own a home in or near Louisville? Do you need help determining the price of your real estate?
Contact Dennis Badger & Associates.

We at Dennis Badger & Associates understand the special needs of a homeowner seeking appraisal services. Our business practices and reporting formats are relatively routine to our business clients like lenders, attorneys, and CPAs. As our valued client, we'll be sure you get extra guidance and explanations through the appraisal process to understand what we do and how we document our findings.

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

Since you have an emotional attachment to your own house, it's often very hard to be objective about it. The professional appraisers at Dennis Badger & Associates 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 price to sell at so your property will attract many interested buyers, a professional appraisal is a very important negotiating tool once you have a likely buyer. It gives you something concrete to show the buyer. An appraisal is an independent third party's opinion of your home's value -- not just you saying how much your home is worth. Interested buyers assume that you have an emotional attachment to your house and will be far more likely to give credibility to a professional appraiser's value opinion than yours.

Appraisals to cancel PMI

A popular money saver for homeowners is getting the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Your monthly payments will go down once your mortgage loan is down below 80% of the value of your home. In most cases you can apply to your lender to have the PMI eliminated from your loan. Dennis Badger & Associates is veterans in helping folks just like you delete unwanted and unneeded PMI insurance.

Challenging Jefferson county's assessment of your property

If you live in an area that is going down or is not appreciating as much as other properties close by, your local tax assessor may have your house overvalued. This only means you are going to pay higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the sooner you take care of a matter like this, the better. Getting a professional appraisal from Dennis Badger & Associates is your number one weapon when challenging your property tax assessment.

Was your HELOC recently frozen?

If your property is close to a declining area, your lender might choose to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can this be annoying 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. Dennis Badger & Associates can provide you with efficient appraisal to help you reinstate your home equity line of credit.

Field and Desktop Appraisal Review Services

Have you just gotten a copy of your appraisal and you would prefer to have a seasoned professional double-check it for precision or do you desire a second opinion without the added cost and delay of waiting for a whole new appraisal? An appraiser from Dennis Badger & Associates can go out and check the subject and comps in question in a field review. Or, if you're in a rush, we can provide 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 report? We can help you with that Even though this is typically requested by banks, you may want to make use of this service if you suspect mortgage fraud related to your property.