Need an appraisal in Bowling Green or Warren County?

Here are the top 7 reasons KY homeowners call on Michael Cowles Appraisals:

  1. Pre-listing appraisals (whether they're selling the home themselves or using a real estate agent)
  2. Challenge property tax assessments
  3. To cut your mortgage payments by removing PMI
  4. Reinstate their Home Equity Line of Credit (HELOC)
  5. Verify a different appraiser's report
  6. If real estate property needs to be divided because of a divorce
  7. To settle an estate in KY by determining the true market value of real estate in question

Do you own a house in or near Bowling Green? Do you need help deciding the value of your real estate?
Contact Michael Cowles Appraisals.

We at Michael Cowles Appraisals understand the special needs of a customer in need of appraisal services. The appraisal process and reporting formats are familiar to our business clients like lenders, attorneys, and CPAs. As our client, we will give you extra guidance and explanations through the appraisal process to more fully understand what we do and how we present our conclusions.

Pre-listing Services/For Sale By Owner

It's very hard to be objective about your house because of your emotional attachment to it. Our professional appraisers at Michael Cowles Appraisals are objective. We won't just tell you what you want to hear, we'll tell you what you need to know. In addition to helping you set a realistic price to sell at so your house will attract many interested buyers, a professional appraisal is very important as a negotiating tool once you have an attainable buyer. The appraisal is something tangible to show the buyer. An appraisal is an independent third party's opinion of your property's value -- not just you saying how much your home is worth. Potential buyers assume you have an emotional attachment to your house and will be more likely to give credibility to a qualified appraiser's value estimation than yours.

Need to remove PMI?

PMI stands for Private Mortgage Insurance. A preferred way to save money for homeowners is to get the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. Your monthly payments will go down once your mortgage loan amount is down below 80% of the value of your property. In most cases you can apply to the lender to have the PMI canceled from your loan. At Michael Cowles Appraisals, we're experts in helping customers just like you dismiss unneeded and unwanted PMI insurance.

Challenge Warren county's assessment of your property

If you live in an area that is declining or not appreciating as much as other homes nearby, your local tax assessor may have your home overvalued. This only means you're going to pay higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the sooner you take care of things like this, the better. Getting an expert appraisal from Michael Cowles Appraisals is your perfect weapon when contesting your property tax assessment.

HELOC recently frozen?

Even if your specific property has not declined in value, your lender might choose to automatically freeze your home equity line of credit (HELOC) if your house is near a declining area. This can this be difficult and inconvenient from a cash flow standpoint, and unfavorable to your credit score since it may appear as though that credit line is maxed out. Michael Cowles Appraisals can provide you with an expert appraisal that will help you reinstate your HELOC.

We Offer Field and Desktop Appraisal Review Services

Would you wish a second opinion without the added cost and delay of waiting for a whole new appraisal? Or do you want a seasoned expert to double-check your appraisal for accuracy? Michael Cowles Appraisals offers field reviews where we go out and check the subject and comps in question. If you're in a hurry, 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? Michael Cowles Appraisals can help you with that. Even though this is usually requested by banks, you may need to exploit this service if you suspect mortgage fraud related to your property.