Need an appraisal in Hopkinsville or Christian County?

The top seven reasons why Kentucky homeowners order from Hallmark Appraisal LLC:

To get a pre-listing appraisal (whether they're selling the home themselves or using an agent)
Challenge Christian County's assessment of your property value
Remove PMI to cut your mortgage payments
Reinstate your Home Equity Line of Credit (or HELOC)
To review a different appraiser's report for verification
In the case of a divorce in the state of Kentucky, when real estate needs to be divided
To settle an estate in Kentucky by determining the true market value of the property in question


	Own a home in or near Hopkinsville, Kentucky and need help deciding the value of it? Contact Hallmark Appraisal LLC.

We at Hallmark Appraisal LLC understand the individual needs of a customer after appraisal services. While our typical clients understand the appraisal process and standard reporting formats, you as a consumer will get an extra level of customer service in the form of an explanation of the process and even special consumer-friendly reporting forms if the assignment allows for them.

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

Since you have an emotional attachment to your home, it's often very hard to be objective about it. Professional appraisers, like the ones at Hallmark Appraisal LLC, are objective. We'll tell you what you need to know, not just what you want to hear. A professional appraisal is very important as a negotiating tool once you have a potential buyer, in addition to helping you set a realistic price to sell at so your house will attract buyers. It gives you something tangible to show the buyer. It's an independent third party's opinion of your home's value, and not just how much your home is worth. Interested buyers know that you have an emotional attachment to your house and will be far more likely to give credibility to an experienced appraiser's value judgement than yours.

Challenge Christian County's assessment of your property

Your local tax assessor may have your home overvalued if you live in a region that's declining. That only means you are paying more taxes than you should. Since your property assessment may likely go up again in the next period, the sooner you take care of things like this, the better off you'll be. An appraisal from Hallmark Appraisal LLC is your #1 weapon when challenging your property tax assessment.

Need to cancel PMI?

A popular way to cut costs 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". Your monthly payments will go down once your mortgage loan amount is below 80% of the value of your property. In most cases you can apply to your lender to have the PMI eliminated from your loan. We're experts in helping folks just like you abolish unwanted and unneeded PMI insurance.

Recently got a freeze to your HELOC?

Even if your specific property has not declined in value, your lender may just make the decision to automatically freeze your home equity line of credit (HELOC) if your house is in or near a declining area. Not only can this be unsuitable from a cash flow angle, but it can be bad for your credit score since it may appear as though that credit line is maxed out. Hallmark Appraisal LLC can provide you with a professional appraisal to help you reinstate your home equity line of credit.

Need Field and Desktop Appraisal Review Services?

Do you need a seasoned expert to double-check your appraisal for preciseness, or do you want a second opinion without the expense and delay of waiting for a whole new appraisal? Hallmark Appraisal LLC offers field reviews where we go out and check the subject and comparables in question. If you need it immediately, 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.

We can also provide a retrospective review of any appraisal report you may have had done before. Even though most review work is requested by lenders, homeowners suspecting a prior appraisal wasn't above board are wise to invest in a second opinion.