Need an appraisal in Gamaliel or Monroe County?

Here are the top seven reasons why KY homeowners hire Joe Murphy Appraisals:

To get a pre-listing appraisal (whether you're using a real estate agent or selling the home on your own)
Challenge property tax assessments
To lower your mortgage payments by removing PMI
To reinstate your Home Equity Line of Credit (HELOC)
To review another appraiser's report for verification
In the case of a KY divorce, where real estate property needs to be divided
To determine the true market value of real estate in question to settle an estate in Monroe County or the state of KY

Need help determining the value of your house in or near Gamaliel, KY?
Contact Joe Murphy Appraisals.

We at Joe Murphy Appraisals understand the individual needs of a consumer seeking appraisal services. Our typical business clients are used to the appraisal process and the customary documents we provide. As our non-traditionalclient, you'll receive extra guidance and explanations through the appraisal process to more fully understand what we do and how we document our findings.

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

Since you have an emotional attachment to your own home, it's often very hard to be objective about it. Our professional appraisers at Joe Murphy Appraisals are objective. We won't just tell you what you want to hear, we will tell you what you need to know. A professional appraisal is a crucial negotiating tool once you have a potential buyer, in addition to helping you set a realistic selling price so your property will attract many interested buyers. It's something concrete to show the buyer. The appraisal is an independent third party's opinion of your house's value, not just how much you think your home is worth. Potential buyers assume that you have an emotional attachment to your home and will be far more likely to give credibility to an accomplished appraiser's value opinion than yours.

Need to cancel PMI?

Getting the PMI (Private Mortgage Insurance) removed from your mortgage loan is a popular way to cut costs for homeowners. Your monthly payments will go down once your mortgage loan is down below 80% of the value of your property. In most cases you can apply to the lender to have the PMI removed from your loan. We're qualified in helping consumers just like you rid themselves of unwanted PMI insurance.

Challenging Monroe county's assessment of your property

Lets say your house is not appreciating as much as other homes nearby -- your local tax assessor may have your house overvalued. That means you are going to pay more taxes than you should. Since your property assessment may likely go up again in the next period, the sooner you take care of things like this, the better off you'll be. An appraisal from Joe Murphy Appraisals is your number one weapon when challenging your property tax assessment.

HELOC recently frozen?

Your lender just may choose to automatically freeze your home equity line of credit (HELOC) if your house is close to a declining area -- even if your specific property has not declined in value. Not only can this be difficult and inconvenient from a cash flow standpoint, but it can be destructive to your credit score since it may appear as though that credit line is maxed out. Joe Murphy Appraisals can help you reinstate your home equity line of credit with an expert appraisal.

We Offer Field and Desktop Appraisal Review Services

Do you need a seasoned professional to double-check your appraisal for verity, or do you want a second opinion without the expense and delay of waiting for a whole new appraisal? Joe Murphy Appraisals offers field reviews where we'll go out and check the subject and comparables. If you need it ASAP, 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 help with that too. Even though this is usually requested by banks, you may need to use this service if you suspect mortgage fraud related to your house.