Attention homeowners in Ashland and Boyd County: Get an Appraisal today!

The top reasons KY homeowners call on Ryan Carter Appraisals:

To get a pre-listing appraisal (whether they're selling the home themselves or using a real estate agent)
Challenge a property tax assessment
To lower your mortgage payments by removing PMI
To reinstate their Home Equity Line of Credit (HELOC)
To review another appraiser's report for verification
If property needs to be divided because of a divorce
To determine the true market value of property in question to settle an estate in KY

Own a home in or near Ashland, KY and need help deciding the value of it?
Contact Ryan Carter Appraisals.

At Ryan Carter Appraisals, we understand the special needs of a customer in need of appraisal services. Our typical business clients are used to the appraisal process and the usual "products" we deliver to them. Being a homeowner that probably doesn't see an appraisal on a regular basis,we will give you extra guidance and explanations through the appraisal process to more fully understand what we do and how we document our findings.

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

It's very hard to be objective about your house because you probably have an 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. A professional appraisal is very valuable as a negotiating tool once you have an interested buyer, in addition to helping you set a realistic price to sell at so your property will attract interested buyers. The appraisal is 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 opinion than yours.

Need to remove PMI?

An attractive money saver 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 less than 80% of the value of your house, 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. Ryan Carter Appraisals is qualified in helping consumers just like you dismiss undesirable PMI insurance.

Challenge Tax Assessment

Your local tax assessor may have your home overvalued if you live in an area that is declining. That only means you are 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 a matter like this, the better. A professional appraisal from Ryan Carter Appraisals is your perfect weapon when contesting your property tax assessment.

Recently got a freeze your HELOC?

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 negative on your credit score since it may appear as though that credit line is maxed out, and also disadvantageous from a cash flow angle. Ryan Carter Appraisals can help you reinstate your home equity line of credit with efficient appraisal.

Need Field and Desktop Appraisal Review Services?

Would you prefer 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 efficiency? An appraiser from Ryan Carter Appraisals can go out and check the subject and comparables in question in a field review. Or, if you're in a hurry, we can provide desk review and verify as many facts as we can using online data sources as well as our own files.

Need a retrospective review of an appraisal? We can We can assist you While typically requested by banks, you may wish to utilize this service if you suspect mortgage fraud related to your home.