Appraisal services for Prospect and Oldham County homeowners

The top seven reasons KY homeowners need Sparks Appraisals:

To get a pre-listing appraisal (whether they're selling the home on their own or using an agent)
To challenge a KY property tax assessment
To cut their mortgage payments by removing PMI
Reinstate their Home Equity Line of Credit (HELOC)
Review another appraiser's report for verification
If property needs to be divided because of a divorce
To settle an estate in KY by determining the true market value of property in question

Need help deciding the price of your house in or near Prospect, KY?
Contact Sparks Appraisals.

At Sparks Appraisals, we understand the special needs of a consumer after appraisal services. Our typical business clients get the appraisal process and the customary "products" we deliver to them. As our client, you can expect extra guidance and explanations through the appraisal process to better understand what we do and how we report our findings.

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. Our professional appraisers at Sparks Appraisals are objective. We won't just tell you what you want to hear, we will tell you what you need to know. In addition to helping you set a realistic price to sell at so your property will attract many interested buyers, a professional appraisal is a very valuable negotiating tool once you have an interested buyer. It's something tangible to show the 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. Interested buyers know you have an emotional attachment to your house and will be far more likely to give credibility to a professional appraiser's value judgement than yours.

Need to remove PMI?

A popular 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". Your monthly payments will go down once your mortgage loan amount is down below 80% of the value of your home. In most cases you can apply to a lender to have the PMI eliminated from your loan. We're seasoned in helping homeowners just like you remove undesirable PMI insurance.

Challenge a property tax assessment

If you live in an area that is declining or not appreciating as much as other houses nearby, your local tax assessor may have your home overvalued. That only means you are going to pay more taxes than you should. The sooner you take care of a matter like this, the better, since your property assessment may likely go up again in the next period. An appraisal from Sparks Appraisals is your perfect weapon when contesting your property tax assessment.

HELOC recently frozen?

If your home is close to a declining area, your lender may choose to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can this be disadvantageous from a cash flow point of view, and unfavorable to your credit score since it may appear as though that credit line is maxed out. Sparks Appraisals can provide you with an expert appraisal that will help you reinstate your home equity line of credit.

Do You Need Field and Desktop Appraisal Review Services?

Would you prefer a second opinion without the charge and delay of waiting for a whole new appraisal? Or do you desire a seasoned appraiser to double-check your appraisal for verity? An appraiser from Sparks Appraisals can go out and check the subject and comparables 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? Sparks Appraisals can help you with that. While typically requested by banks, you may wish to utilize this service if you suspect mortgage fraud related to your house.