Attention homeowners in Murray and Calloway County: Get an Appraisal today!

Check out the top 7 reasons KY homeowners use Branic Appraisal Services:

  1. To get a pre-listing appraisal (whether you're using an agent or selling the home on your own)
  2. Challenge a property tax assessment
  3. Remove PMI to lower a mortgage payment
  4. To reinstate their Home Equity Line of Credit (HELOC)
  5. Review another appraiser's report for verification
  6. If property needs to be divided because of a divorce
  7. Determine the true market value of real estate in question to settle an estate

Need help deciding the price of your home in or near Murray, KY?
Contact Branic Appraisal Services.

At Branic Appraisal Services, we understand the particular needs of a customer after appraisal services. The appraisal process and reporting formats are relatively routine to our business clients like banks, attorneys, and CPAs. But as a consumer,you will receive 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

It's very hard to be objective about your house because you most likely 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 crucial as a negotiating tool once you have a potential buyer, in addition to helping you set a realistic price to sell at so your property will attract interested buyers. It's something concrete to show your buyer. An appraisal is an independent third party's opinion of your property's price -- not just how much you think your house 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 experienced appraiser's value report than yours.

PMI Removal Appraisals

PMI stands for Private Mortgage Insurance. A fashionable way to cut costs for homeowners is to get the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan is down below 80% of the value of your home, in most cases you can apply to your lender to have the PMI removed from your loan, which will make your monthly payments go down. We're veterans in helping folks just like you get rid of unnecessary PMI insurance.

Challenging Calloway county's assessment of your property

Your local tax assessor may have your home overvalued if you live in a region that's going down or not appreciating as much as other homes nearby. This means you are paying higher taxes than you should be paying. The sooner you take care of things like this, the better, since your property assessment may likely go up again in the next period. Getting an expert appraisal from Branic Appraisal Services is your number one weapon when challenging your property tax assessment.

HELOC recently frozen?

If your house is in a declining area, your lender might just decide to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. Not only can this be unsuitable from a cash flow standpoint, but it can be negative on your credit score since it may appear as though that credit line is maxed out. Branic Appraisal Services can help you reinstate your HELOC.

Need Field and Desktop Appraisal Review Services?

Do you need an expert to double-check your appraisal for efficiency, or do you desire a second opinion without the added expense and delay of waiting for a whole new appraisal? An appraiser from Branic Appraisal Services can go out and check the subject and comps in a field review. Or, if you're in a rush, 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 report? We can help you with that While typically requested by banks, you may wish to take advantage of this service if you suspect mortgage fraud related to your property.