Attention homeowners in Fulton and Fulton County: Need an appraisal?

Check out the top seven reasons KY homeowners call on Jim Martin & Associates:

  1. Find the right listing price (whether you're using a real estate agent or selling the home on your own)
  2. To challenge a KY property tax assessment
  3. Remove PMI to cut their mortgage payments
  4. Reinstate their Home Equity Line of Credit (or HELOC)
  5. To review a different appraiser's report for verification
  6. If real estate needs to be divided because of a divorce
  7. To determine the true market value of property in question to settle an estate

Need help determining the price of your house in or near Fulton, KY?
Contact Jim Martin & Associates.

We at Jim Martin & Associates understand the particular needs of a customer 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.

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

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 selling price so your home will attract interested buyers, a professional appraisal is very crucial as a negotiating tool once you have a likely buyer. It gives you something tangible to show the buyer. It's an independent third party's opinion of your home's value, and not just you saying how much you think your home is worth. Interested buyers know that you have an emotional attachment to your home and will be far more likely to give credibility to an accomplished appraiser's value report than yours.

Appraisals to cancel PMI

An attractive way to cut expenses for homeowners is getting the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Once your mortgage loan is down below 80% of the value of your home, 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 Jim Martin & Associates, we're veterans in helping clients just like you rid yourselves of unwanted and unneeded PMI insurance.

Challenging a property tax assessment

Your local tax assessor may have your home overvalued if you live in an area that's declining. That means you're going to pay more taxes than you should. Since your property assessment may likely go up again in the next period, the quicker you take care of things like this, the better off you'll be. An appraisal report from Jim Martin & Associates is your chief weapon when contesting your property tax assessment.

HELOC recently frozen?

Your lender might just choose to automatically freeze your home equity line of credit (HELOC) if your property is in a declining area -- even if your specific property has not declined in value. Not only can this be annoying from a cash flow standpoint, but it can be negative on your credit score since it may appear as though that credit line is maxed out. Jim Martin & Associates can help you reinstate your home equity line of credit with a professional appraisal.

Field and Desktop Appraisal Review Services

Have you just been given a copy of your appraisal and you'd prefer to have an expert double-check it for accuracy or do you desire a second opinion without the charge and delay of waiting for a whole new appraisal? We can go out and check the subject and comparables in a field review. Or, if you need it ASAP, we can provide you with a 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 had done before. Even though this is typically requested by banks, you may wish to exploit this service if you suspect mortgage fraud related to your home.