Attention homeowners in Morehead and Rowan County: Get an Appraisal today!

The top seven reasons KY homeowners need C Roger Lewis Agency:

  1. Find the right listing price (whether you're using a real estate agent or selling the home on your own)
  2. Challenge Rowan county's assessment of your property
  3. Remove PMI to cut their mortgage payments
  4. To reinstate their Home Equity Line of Credit (or HELOC)
  5. Verify a different appraiser's report
  6. In the case of a KY divorce, where property needs to be divided
  7. To determine the true market value of property in question to settle an estate

Own a home in or near Morehead, KY and need help deciding the value of it?
Contact C Roger Lewis Agency.

We at C Roger Lewis Agency understand the special needs of a homeowner looking for appraisal services. The appraisal process and reporting formats are relatively routine to our business clients like lenders, attorneys, and accountants. As our non-traditionalclient, you'll receive extra guidance and explanations through the appraisal process to better understand what we do and how we report our conclusions.

For Sale By Owner/Pre-Listing Services

It's very hard to be objective about your own 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. In addition to helping you set a realistic price to sell at so your property will attract buyers, a professional appraisal is very important as a negotiating tool once you have a likely buyer. It's something tangible to show the buyer. An appraisal is an independent third party's opinion of your house's price -- not just how much your home is worth. Interested buyers know you have an emotional attachment to your house and will be more likely to give credibility to an experienced appraiser's value judgement than yours.

Appraisals to cancel PMI

A preferred money saver for homeowners is getting the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Once your mortgage loan amount is down below 80% of the value of your home, in most cases you can apply to your lender to have the PMI canceled from your loan, which will make your monthly payments go down. C Roger Lewis Agency is experts in helping clients just like you delete unwanted and unneeded PMI insurance.

Challenging Rowan county's assessment of your property

Lets say your house is not appreciating as much as other properties close to yours -- your local tax assessor may have your home overvalued. This means you are paying higher taxes than you should be paying. 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. Getting an expert appraisal from C Roger Lewis Agency is your number one weapon when contesting your property tax assessment.

Was your HELOC recently frozen?

Your lender may decide to automatically freeze your home equity line of credit (HELOC) if your property is near a declining area -- even if your specific property has not declined in value. This can this be troublesome from a cash flow viewpoint, and unfavorable to your credit score since it may appear as though that credit line is maxed out. C Roger Lewis Agency can help you reinstate your home equity line of credit with an expert appraisal.

We Also Offer Field and Desktop Appraisal Review Services

Have you just been handed a copy of your appraisal and you would like to have an expert double-check it for preciseness or do you want a second opinion without the added cost and delay of waiting for a whole new appraisal? In a field review we will go out and check the subject and comps in question. If you need it in a rush, we'll provide you with a 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? C Roger Lewis Agency can help with that too. Even though this is usually requested by banks, you may need to utilize this service if you suspect mortgage fraud related to your house.