Need an appraisal in Louisville or Jefferson County?

Here are the top reasons KY homeowners use Campbell & Chandler Appraisals:

  1. Get a pre-listing appraisal (whether they're selling the home on their own or using a real estate agent)
  2. To challenge a KY property tax assessment
  3. To lower a mortgage payment by removing PMI
  4. Reinstate their Home Equity Line of Credit (HELOC)
  5. To review a different appraiser's report for verification
  6. In the case of a KY divorce, when real estate needs to be divided
  7. 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 Campbell & Chandler Appraisals.

At Campbell & Chandler Appraisals, we understand the special needs of a homeowner after 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.

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

It's very hard to be objective about your own house because of your emotional attachment to it. A professional appraiser is objective and will tell you what you need to know, not just what you want to hear. In addition to helping you set a realistic price to sell at so your home will attract many interested buyers, a professional appraisal is very crucial as a negotiating tool once you have an attainable buyer. The appraisal is something concrete to show the buyer. It's an independent third party's opinion of your house's value, and not just how much your house is worth. Potential buyers know you have an emotional attachment to your house and will be far more likely to give credibility to an expert appraiser's value conclusion than yours.

Appraisals to remove PMI

An attractive way to save money for homeowners is getting the PMI removed 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 house. In most cases you can apply to the lender to have the PMI eliminated from your loan. Campbell & Chandler Appraisals is veterans in helping folks just like you dismiss unwanted and unneeded PMI insurance.

Challenge Tax Assessment

Lets say you live in an area that's going down -- 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 earlier you take care of things like this, the better off you'll be. An appraisal from Campbell & Chandler Appraisals is your best weapon when contesting your property tax assessment.

Recently got a freeze your HELOC?

Even if your specific property has not declined in value, your lender just might choose to automatically freeze your home equity line of credit (HELOC) if your house is in a declining area. This can be be unfavorable to your credit score since it may appear as though that credit line is maxed out, and also troublesome from a cash flow standpoint. An appraisal from Campbell & Chandler Appraisals can help you reinstate your HELOC.

We Also Provide Field and Desktop Appraisal Review Services

Have you just been handed a copy of your appraisal and you would wish to have a seasoned expert double-check it for verity or do you desire a second opinion without the cost and delay of waiting for a whole new appraisal? Campbell & Chandler Appraisals offers field reviews where we'll go out and check the subject and comps in question. Or, if you need it ASAP, 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 with that too. Even though this is usually requested by banks, you may wish to use this service if you suspect mortgage fraud related to your house.