Need an appraisal in FORT THOMAS or Campbell County?

Here are the top 7 reasons why KY homeowners need Pogue Inc.:

To get a pre-listing appraisal (whether you're using an agent or selling the home on your own)
To challenge a KY property tax assessment
Remove PMI to reduce their monthly mortgage payment
To reinstate their Home Equity Line of Credit (or HELOC)
Review a different appraiser's report for verification
If property needs to be divided because of a divorce
Determine the true market value of real estate in question to settle an estate

Do you own a house in or near FORT THOMAS? Do you need help deciding the price of your real estate?
Contact Pogue Inc..

We at Pogue Inc. understand the particular needs of a homeowner in need of appraisal services. While our typical 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 (FSBO)/Pre-Listing Services

It's very hard to be objective about your own house because you probably have an emotional attachment to it. Our professional appraisers at Pogue Inc. 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 very important negotiating tool once you have a likely buyer, in addition to helping you set a realistic selling price so your house will attract buyers. It's something tangible to show the buyer. An appraisal is an independent third party's opinion of your home's value -- not just you saying how much you think your home is worth. Interested buyers know you have an emotional attachment to your home and will be more likely to give credibility to an accomplished appraiser's value assessment than yours.

Appraisals to cancel PMI

An attractive way to save money 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". Your monthly payments will go down once your mortgage loan is less than 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 Pogue Inc., we're veterans in helping consumers just like you rid yourselves of unneeded and unwanted PMI insurance.

Challenge Campbell county's assessment of your property

Your local tax assessor may have your home overvalued if you live in a local area that is going down or is not appreciating as much as other houses nearby. This means you are going to pay higher taxes than you should be paying. The earlier you take care of a matter like this, the better, since your property assessment may likely go up again in the next period. When contesting your property tax assessment, getting an appraisal from Pogue Inc. is your strongest weapon.

HELOC recently frozen?

Your lender just may make the decision to automatically freeze your home equity line of credit (HELOC) if your house is in or near a declining area -- even if your specific property has not declined in value. This can be be bad for your credit score since it may appear as though that credit line is maxed out, and also difficult from a cash flow angle. Pogue Inc. can help you reinstate your HELOC.

Field and Desktop Appraisal Review Services

Would you wish a second opinion without the added expense and delay of waiting for a whole new appraisal? Or do you desire a seasoned appraiser to double-check your appraisal for verity? Pogue Inc. offers field reviews where we go out and check the subject and comparables. Or, if you're in a hurry, 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 a retrospective review of any appraisal report you may have had done before. While typically requested by banks, you may desire to utilize this service if you suspect mortgage fraud related to your house.