Attention homeowners in Villa Hills and Kenton County: Need an appraisal?

The top seven reasons Kentucky homeowners order from Michael Aytes:

To get a pre-listing appraisal (whether they're selling the home on their own or using a real estate agent)
To challenge your property tax assessment in Kentucky
To lower a monthly mortgage payment by removing PMI
To reinstate their 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, where property needs to be divided
To settle an estate in Kenton county or Kentucky by determining the true market value of the property in question


	Own a home in or near Villa Hills, Kentucky and need help determining the value of it? Contact Michael Aytes.

We at Michael Aytes understand the individual needs of a customer looking for appraisal services. While our usual business 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/Pre-Listing Services

It's very hard to be objective about your own house because you most likely have an emotional attachment to it. Our professional appraisers at Michael Aytes are objective. We won't just tell you what you want to hear, we'll tell you what you need to know. A professional appraisal is a crucial 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 buyers. It's something concrete to show the buyer. The appraisal is an independent third party's opinion of your house's value, 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 much more likely to give credibility to a qualified appraiser's value estimation than yours.

Challenging Kenton County's assessment of your property

Your local tax assessor may have your house overvalued if your house not appreciating as much as other properties nearby. This only means you are most likely 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. An appraisal from Michael Aytes is your strongest weapon when contesting your property tax assessment.

Appraisals to remove PMI

PMI stands for Private Mortgage Insurance. A fashionable way to save money for homeowners is to get the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan amount is less than 80% of the value of your property, 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. Michael Aytes is experienced in helping clients just like you abolish unneeded and unwanted PMI insurance.

Was your HELOC recently frozen?

If your home is near a declining area, your lender might choose 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 troublesome from a cash flow standpoint, but it can be detrimental to your credit score since it may appear as though that credit line is maxed out. Michael Aytes can help you reinstate your home equity line of credit with efficient appraisal.

We Also Provide Field and Desktop Appraisal Review Services

Have you just received a copy of your appraisal and you'd like to have a seasoned professional double-check it for precision or do you desire a second opinion without the cost and delay of waiting for a whole new appraisal? We can go out and check the subject and comparables in question in a field review. If you're 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 report? Michael Aytes can help you with that. While usually requested by banks, you may desire to make use of this service if you suspect mortgage fraud related to your house.