Need an appraisal in Georgetown or Scott County?

Here are the top 7 reasons why KY homeowners order from The Hockensmith Agency:

  1. Find the right listing price (whether you're using a real estate agent or selling the home on your own)
  2. Challenge a property tax assessment
  3. To reduce a mortgage payment by removing PMI
  4. To 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 needs to be divided
  7. Settle an estate in KY by determining the true market value of property in question

Need help determining the value of your home in or near Georgetown, KY?
Contact The Hockensmith Agency.

We at The Hockensmith Agency understand the unique needs of a customer looking for appraisal services. The appraisal process and reporting formats are relatively routine to our business clients like banks, lawyers, and CPAs. Being a regular homeowner that probably doesn't look at appraisals every day,you will receive extra guidance and explanations through the appraisal process to more clearly understand what we do and how we present our findings.

For Sale By Owner/Pre-Listing Services

Since you have an emotional attachment to your own home, it's often very hard to be objective about it. Professional appraisers, like the ones at The Hockensmith Agency, 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 property will attract many interested buyers, a professional appraisal is very crucial as a negotiating tool once you have an interested buyer. It gives you something tangible to show your buyer. It's an independent third party's opinion of your home's value, and not just how much your home is worth. Interested buyers assume that you have an emotional attachment to your home and will be far more likely to give credibility to an expert appraiser's value estimation than yours.

PMI Removal Appraisals

PMI stands for Private Mortgage Insurance. A fashionable way to cut expenses for homeowners is getting the PMI removed from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan is below 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. We're experts in helping people just like you abolish unnecessary PMI insurance.

Challenging property tax assessments

Lets say you live in a local area that's declining -- your local tax assessor may have your house overvalued. That means you're paying more taxes than you should. Since your property assessment may likely go up again in the next period, the earlier you take care of a matter like this, the better. Getting an expert appraisal from The Hockensmith Agency 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 might just decide to automatically freeze your home equity line of credit (HELOC) if your property is in a declining area. This can be be bad for your credit score since it may appear as though that credit line is maxed out, and also inopportune from a cash flow viewpoint. An efficient appraisal from The Hockensmith Agency can help you reinstate your HELOC.

We Also Offer Field and Desktop Appraisal Review Services

Have you just gotten a copy of your appraisal and you would wish to have a seasoned appraiser double-check it for verity or do you want a second opinion without the added cost and delay of waiting for a whole new appraisal? In a field review we'll go out and check the subject and comparables in question. 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.

Do you need a retrospective review of an appraisal? The Hockensmith Agency can help you with that. While usually requested by banks, you may desire to utilize this service if you suspect mortgage fraud related to your house.