Attention homeowners in Ashland and Boyd County: Need an appraisal?

The top seven reasons KY homeowners use Bernard Onan:

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

Own a house in or near Ashland, KY and need help deciding the price of it?
Contact Bernard Onan.

We at Bernard Onan understand the special needs of a customer in need of appraisal services. The appraisal process and reporting formats are relatively routine to our business clients like banks, attorneys, and CPAs. As our client, you can expect extra guidance and explanations through the appraisal process to more clearly understand what we do and how we report the results of our analysis.

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

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

PMI Removal Appraisals

An attractive way to cut expenses 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". Your monthly payments will go down once your mortgage loan is below 80% of the value of your house. In most cases you can apply to a lender to have the PMI removed from your loan. We're experienced in helping folks just like you delete unneeded and unwanted PMI insurance.

Challenging property tax assessments

Your local tax assessor may have your home overvalued if you live in an area that is declining or not appreciating as much as other homes close by. This only means you are paying higher taxes than you should be paying. 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 off you'll be. Getting an appraisal from Bernard Onan is your #1 weapon when contesting your property tax assessment.

Was your HELOC recently frozen?

If your property is near a declining area, your lender may just choose 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 troublesome from a cash flow standpoint. An appraisal from Bernard Onan can help you reinstate your HELOC.

We Also Provide Field and Desktop Appraisal Review Services

Do you need a seasoned appraiser to double-check your appraisal for precision, or do you desire a second opinion without the expense and delay of waiting for a whole new appraisal? In a field review we'll go out and check the subject and comps in question. 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 in the past. While usually requested by banks, you may desire to employ this service if you suspect mortgage fraud related to your house.