Need an appraisal in Louisville or Jefferson County?

Here are the top seven reasons why KY homeowners use Marks, Joseph F:

To get a pre-listing appraisal (whether you're using a real estate agent or selling the home on your own)
Challenge Jefferson county's assessment of your propertyworth
Remove PMI to cut a monthly mortgage payment
To reinstate their Home Equity Line of Credit (HELOC)
To review a different appraiser's report for verification
In the case of a KY divorce, where real estate property needs to be divided
Determine the true market value of real estate in question to settle an estate

Need help determining the price of your house in or near Louisville, KY?
Contact Marks, Joseph F.

At Marks, Joseph F, we understand the particular needs of a customer looking for appraisal services. While our typical business 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

Since you have an emotional attachment to your house, it's often very hard to be objective about it. Professional appraisers, like the ones at Marks, Joseph F, are objective. We'll tell you what you need to know, not just what you want to hear. In addition to helping you set a realistic selling price so your house will attract interested buyers, a professional appraisal is a very valuable negotiating tool once you have a likely buyer. It gives you 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 your house is worth. Interested buyers know you have an emotional attachment to your home and will be more likely to give credibility to an accomplished appraiser's value judgement than yours.

Appraisals to remove PMI

Getting the PMI (Private Mortgage Insurance) canceled from your mortgage loan is a preferred way to cut expenses for homeowners. Once your mortgage loan amount is less than 80% of the value of your home, 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. At Marks, Joseph F, we're experts in helping clients just like you rid yourselves of undesirable PMI insurance.

Challenge Jefferson county's assessment of your property

Your local tax assessor may have your home overvalued if you live in a local area that is going down or not appreciating as much as other properties close by. That only means you're probably paying more taxes than you should. The faster you take care of things like this, the better off you'll be, since your property assessment may likely go up again in the next period. An appraisal report from Marks, Joseph F 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 just may decide to automatically freeze your home equity line of credit (HELOC) if your house is in a declining area. Not only can this be troublesome from a cash flow point of view, but it can be destructive to your credit score since it may appear as though that credit line is maxed out. Marks, Joseph F can provide you with efficient appraisal that will help you reinstate your HELOC.

Do You Need Field and Desktop Appraisal Review Services?

Have you just been handed a copy of your appraisal and you would like to have a seasoned expert double-check it for accuracy or do you want a second opinion without the added expense and delay of waiting for a whole new appraisal? Marks, Joseph F offers field reviews where we'll go out and check the subject and comps in question. 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 report? We can help you with that Even though this is typically requested by banks, you may want to utilize this service if you suspect mortgage fraud related to your home.