Appraisal services for Louisville and Jefferson County homeowners

Here are the top 7 reasons why KY homeowners call on Moore & Associates:

  1. To get a pre-listing appraisal (whether you're using an agent or selling the home on your own)
  2. Challenge property tax assessments
  3. Remove PMI to reduce your mortgage payments
  4. Reinstate your Home Equity Line of Credit (HELOC)
  5. Review a different appraiser's report for verification
  6. If real estate needs to be divided because of a divorce
  7. Settle an estate in KY by determining the true market value of real estate in question

Do you own a house in or near Louisville? Do you need help deciding the value of your real estate?
Contact Moore & Associates.

At Moore & Associates, we understand the unique needs of a consumer after appraisal services. While our typical clients understand the appraisal process and standard reporting formats, you as a consumer will get an extra level of 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

It's very hard to be objective about your own house because of your emotional attachment to it. The professional appraisers at Moore & Associates 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 buyers, a professional appraisal is a crucial negotiating tool once you have an interested buyer. It gives you something tangible to show your buyer. The appraisal is an independent third party's opinion of your house's price, not just how much your home is worth. Potential buyers assume that you have an emotional attachment to your home and will be far more likely to give credibility to an experienced appraiser's value report than yours.

Appraisals to remove PMI

A fashionable way to save money for homeowners is to get 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 less than 80% of the value of your house, in most cases you can apply to the lender to have the PMI removed from your loan, which will make your monthly payments go down. At Moore & Associates, we're seasoned in helping homeowners just like you rid themselves of unneeded and unwanted PMI insurance.

Challenging property tax assessments

Lets say you live in a local area that's going down -- your local tax assessor may have your home overvalued. That only means you are going to pay more taxes than you should. The quicker 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. When contesting your property tax assessment, getting a professional appraisal from Moore & Associates is your best weapon.

Was your HELOC recently frozen?

If your house is near a declining area, your lender just 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 this be difficult from a cash flow point of view, and negative on your credit score since it may appear as though that credit line is maxed out. Moore & Associates can help you reinstate your HELOC.

Do You Need Field and Desktop Appraisal Review Services?

Have you just accepted a copy of your appraisal and you would wish to have a seasoned expert double-check it for verity or do you need a second opinion without the added cost and delay of waiting for a whole new appraisal? An appraiser from Moore & Associates can go out and check the subject and comps in a field review. If you need it immediately, we'll 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? Moore & Associates can help you with that. While typically requested by banks, you may want to exploit this service if you suspect mortgage fraud related to your house.