Real estate appraisal services for homeowners in the city of Bowling Green and Warren County

Here are the top seven reasons KY homeowners hire Clay Wells & Associates, Inc.:

  1. Get a pre-listing appraisal (whether they're selling the home themselves or using an agent)
  2. Challenge property tax assessments
  3. Remove PMI to reduce their mortgage payments
  4. Reinstate your Home Equity Line of Credit (or 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. To determine the true market value of property in question to settle an estate in Warren County or the state of KY

Own a house in or near Bowling Green, KY and need help deciding the value of it?
Contact Clay Wells & Associates, Inc..

We at Clay Wells & Associates, Inc. understand the particular needs of a homeowner looking for appraisal services. While our usual business clients understand the appraisal process and standard reporting formats, you as a consumer will get extra customer 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

Since you have an emotional attachment to your own house, it's often very hard to be objective about it. A professional appraiser is objective and will tell you what you need to know, not just what you want to hear. A professional appraisal is a very valuable negotiating tool once you have a potential buyer, in addition to helping you set a realistic price to sell at so your property will attract buyers. It's something concrete to show your buyer. It's an independent third party's opinion of your property's value, and not just you saying how much your house is worth. Potential buyers know you have an emotional attachment to your home and will be much more likely to give credibility to a seasoned appraiser's value estimation than yours.

PMI Removal Appraisals

PMI stands for Private Mortgage Insurance. A fashionable way to cut costs for homeowners is getting the PMI removed from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan amount is down below 80% of the value of your house, in most cases you can apply to your lender to have the PMI canceled from your loan, which will make your monthly payments go down. At Clay Wells & Associates, Inc., we're qualified in helping consumers just like you delete unneeded PMI insurance.

Challenging property tax assessments

Your local tax assessor may have your house overvalued if you live in a region that is declining. That only means you're most likely paying more taxes than you should. The sooner you take care of a matter like this, the better off you'll be, since your property assessment may likely go up again in the next period. Getting a professional appraisal from Clay Wells & Associates, Inc. is your best weapon when contesting your property tax assessment.

HELOC recently frozen?

Even if your specific property has not declined in value, your lender might decide to automatically freeze your home equity line of credit (HELOC) if your property is near a declining area. This can this be disadvantageous from a cash flow standpoint, and detrimental to your credit score since it may appear as though that credit line is maxed out. An appraisal from Clay Wells & Associates, Inc. can help you reinstate your HELOC.

We Also Provide Field and Desktop Appraisal Review Services

Would you like a second opinion without the cost and delay of waiting for a whole new appraisal? Or do you desire a veteran appraiser to double-check your appraisal for accuracy? Clay Wells & Associates, Inc. offers field reviews where we'll go out and check the subject and comparables 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.

We can also provide you with a a retrospective review of any appraisal you may have in your possession. Even though this is typically requested by banks, you may wish to exploit this service if you suspect mortgage fraud related to your house.