Attention homeowners in Williamstown and Grant County: Need an appraisal?

Here are the top reasons KY homeowners call on Terry Jacobs:

To get a pre-listing appraisal (whether you're using a real estate agent or selling the home on your own)
Challenge property tax assessments
To reduce their monthly mortgage payment by removing PMI
To reinstate your Home Equity Line of Credit (or HELOC)
Verify a different appraiser's report
If real estate needs to be divided because of a divorce
To determine the true market value of real estate in question to settle an estate

Own a house in or near Williamstown, KY and need help determining the value of it?
Contact Terry Jacobs.

We at Terry Jacobs understand the unique needs of a homeowner after appraisal services. Our business practices and reporting formats are relatively routine to our business clients like banks, lawyers, and CPAs. But as a consumer,we will give you extra guidance and explanations through the appraisal process to understand what we do and how we document the results of our analysis.

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. The professional appraisers at Terry Jacobs will tell you what you need to know -- not just what you want to hear. We are objective. In addition to helping you set a realistic price to sell at so your property will attract interested buyers, a professional appraisal is a crucial negotiating tool once you have an interested buyer. It gives you something concrete to show your buyer. An appraisal is an independent third party's opinion of your home's value -- not just you saying how much you think your house is worth. Potential buyers assume that you have an emotional attachment to your home and will be far more likely to give credibility to a professional appraiser's value judgement than yours.

Appraisals to cancel PMI

PMI stands for Private Mortgage Insurance. A fashionable money saver for homeowners is to get 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 home, in most cases you can apply to the lender to have the PMI eliminated from your loan, which will make your monthly payments go down. We're qualified in helping customers just like you remove unwanted PMI insurance.

Challenge property tax assessments

Lets say you live in an area that's going down -- your local tax assessor may have your house overvalued. This only means you are probably paying higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the sooner you take care of things like this, the better. When challenging your property tax assessment, getting a professional appraisal from Terry Jacobs is your chief weapon.

Recently got a freeze your HELOC?

If your home is in or near a declining area, your lender might make the decision to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can be be unfavorable to your credit score since it may appear as though that credit line is maxed out, and also unsuitable from a cash flow viewpoint. Terry Jacobs can help you reinstate your HELOC.

We Provide Field and Desktop Appraisal Review Services

Would you prefer a second opinion without the added expense and delay of waiting for a whole new appraisal? Or do you need a seasoned appraiser to double-check your appraisal for accuracy? Terry Jacobs offers field reviews where we go out and check the subject and comparables. Or, if you need it immediately, 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 a retrospective review of any appraisal report you may have in your possession. Even though this is typically requested by banks, you may desire to employ this service if you suspect mortgage fraud related to your property.