Attention homeowners in Crockett and Morgan County: Get an Appraisal today!

The top seven reasons why Kentucky homeowners call on Hackney Appraisal Service:

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


	Own a home in or near Crockett, Kentucky and need help determining the value of it? Contact Hackney Appraisal Service.

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

Pre-listing Services/For Sale by Owner

It's very hard to be objective about your own house because you most likely have an emotional attachment to it. Professional appraisers, like the ones at Hackney Appraisal Service, are objective. We 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 home will attract many interested buyers, a professional appraisal is a crucial negotiating tool once you have an attainable buyer. It gives you something concrete to show the buyer. The appraisal is an independent third party's opinion of your home's market value, not just you saying how much you think your house is worth. Potential buyers assume that you have an emotional attachment to your house and will be much more likely to give credibility to a seasoned appraiser's value opinion than yours.

Challenge a property tax assessment

Your local tax assessor may have your house overvalued if you live in a local area that's going down. 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 quicker you take care of a matter like this, the better. When contesting your property tax assessment, getting an appraisal report from Hackney Appraisal Service is your perfect weapon.

Need to cancel PMI?

Getting the PMI (Private Mortgage Insurance) eliminated from your mortgage loan is a popular way to save money for homeowners. Once your mortgage loan amount is below 80% of the value of your house, in most cases you can apply to the lender to have the PMI removed from your loan, which will make your monthly payments go down. At Hackney Appraisal Service, we're experienced in helping customers just like you remove unneeded and unwanted PMI insurance.

Was your HELOC recently frozen?

Even if your specific property has not declined in value, your lender just might choose to automatically freeze your home equity line of credit (HELOC) if your home is in a declining area. This can be annoying 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. Hackney Appraisal Service can help you reinstate your HELOC.

Field and Desktop Appraisal Review Services

Have you just gotten a copy of your appraisal and you would prefer to have a professional double-check it for preciseness or do you need a second opinion without the added expense and delay of waiting for a whole new appraisal? In a field review we'll go out and check the subject and comps. Or, if you need it immediately, we can 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 you with a retrospective review of any appraisal you may have in your possession. Although most appraisal reviews are requested by lenders, homeowners that have reason to believe a prior appraisal wasn't above board are wise to get a second opinion.