Ryan Bays

About ryanbays

I'm a husband, a father to six girls, and an SRA & AI-RRS designated real estate appraiser at Riverfront Appraisals, LLC in Owensboro, Kentucky.

2019 Year In Review

It’s finally time for the 2019 Year In Review!  It’s taken a bit longer for us to put everything together this year for a couple of reasons.      We’re busy.  Wow! The market is incredibly hot right now.  We’ve been working hard just trying to keep up! We’re doing something different this year, and including [...]

2019 Year In Review2020-03-04T21:42:03+00:00

What Can I Count as Living Area?

What Can I Count as Living Area?   Enclosed Porches, basements, garages, bonus rooms, unfinished rooms.  Does your home have any of these areas? Are you confused if you can count them in your home’s living area?  In this blog post, we’ll answer the question we’ve heard from countless homeowners: “What can I count as [...]

What Can I Count as Living Area?2020-02-10T00:29:20+00:00

What Does FHA Say About Inground Pools?

Anybody wanna go for a swim?   As I write this blog post, it’s mid-December and currently cold & raining outside my office.  Maybe I’m dreaming of summer already, I don’t know. Regardless, I thought I’d write a quick post about swimming pools and FHA appraisals.   So let’s ‘jump’ right in!  (Sorry. That was [...]

What Does FHA Say About Inground Pools?2020-01-10T21:03:12+00:00

Tip for Homeowners On Remodel Projects

Here's a quick, helpful tip from Ryan for homeowners regarding unfinished remodel projects... Do you have any questions about this? We would love to hear from you!   Helping homeowners navigate the appraisal process, Ryan Bays, SRA, AI-RRS  

Tip for Homeowners On Remodel Projects2020-01-09T23:05:47+00:00

Is a Refinance Appraisal Different from a Purchase Appraisal?

I recently took a call from a friend of mine who is a Realtor.  She listed a home $20,000 higher than the most recent appraisal - which was completed earlier in the year when the homeowners refinanced their mortgage.  And it just so happened that the same appraiser got the assignment for the new purchase, [...]

Is a Refinance Appraisal Different from a Purchase Appraisal?2019-12-02T14:10:17+00:00

What Happens After the Appraisal is Submitted?

For many, the real estate appraisal process can be quite lengthy.  It can take days to weeks to even get an appraiser out to your home, after you complete your loan application.  The appraiser comes out to your home, completes the on-site inspection portion of the appraisal, and then usually anywhere from another day to [...]

What Happens After the Appraisal is Submitted?2019-11-22T02:30:54+00:00

After the Appraisal: What You Need to Know about a Final Inspection

I wrote this blog post a couple of years ago, but the topic bears another look.  In this updated post, we’ll look at what a final inspection is, and what steps you can take to make the most of the appraiser’s return visit.   Just because the appraisal has been completed and sent in to [...]

After the Appraisal: What You Need to Know about a Final Inspection2019-10-18T14:57:59+00:00

Appraisal & The PVA/Tax Assessor

Here is a quick video addressing the question: "Does the appraiser give a copy of your appraisal to the PVA or tax assessor?" Hope this brings some clarity to the matter.   Helping homeowners navigate the appraisal process, Ryan Bays, SRA, AI-RRS    

Appraisal & The PVA/Tax Assessor2019-10-01T19:50:06+00:00

So You Replaced the Light Bulbs? Great. Now Here’s What the Appraiser Really Wants to Know.

If you’re selling your home or refinancing your mortgage, taking advantage of these historically low-interest rates, chances are you’re looking to make the most of your upcoming appraisal.  And by that I mean, you’d like your home to appraise for as much as possible. Am I right? Well, one of the ways you can make [...]

So You Replaced the Light Bulbs? Great. Now Here’s What the Appraiser Really Wants to Know.2019-10-12T16:57:45+00:00