Attention homeowners in Yankton and Yankton County: Get an Appraisal today!
The top seven reasons SD homeowners hire Q Appraisals:
Do you own a home in or near Yankton? Do you need help determining the price of your real estate?
We at Q Appraisals understand the individual needs of a customer seeking 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 home because you probably have an emotional attachment to it. A professional appraiser is objective and 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 property will attract interested buyers, a professional appraisal is very valuable as a negotiating tool once you have a potential buyer. It's something tangible to show your buyer. An appraisal is an independent third party's opinion of your home's price -- not just you saying how much your home is worth. Interested buyers assume you have an emotional attachment to your home and will be much more likely to give credibility to a qualified appraiser's value assessment than yours.
Appraisals to cancel PMI
PMI stands for Private Mortgage Insurance. A fashionable money saver for homeowners is to get the PMI removed from their mortgage loan, thus saving them money on their monthly payments. Your monthly payments will go down once your mortgage loan is down below 80% of the value of your property. In most cases you can apply to your lender to have the PMI canceled from your loan. At Q Appraisals, we're experts in helping people just like you dismiss unnecessary PMI insurance.
Challenging a property tax assessment
Lets say your home is not appreciating as much as other properties close to yours -- your local tax assessor may have your house overvalued. That only means you are going to pay more taxes than you should. The earlier you take care of things 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 expert appraisal from Q Appraisals is your chief weapon.
Was your HELOC recently frozen?
Even if your specific property has not declined in value, your lender might decide to automatically freeze your home equity line of credit (HELOC) if your house is in or near a declining area. This can this be disadvantageous from a cash flow viewpoint, and harmful to your credit score since it may appear as though that credit line is maxed out. Q Appraisals can help you reinstate your HELOC.
We Offer Field and Desktop Appraisal Review Services
Would you like a second opinion without the added cost and delay of waiting for a whole new appraisal? Or do you need an expert to double-check your appraisal for verity? Q Appraisals offers field reviews where we'll go out and check the subject and comps. Or, if you're in a rush, 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 a retrospective review of any appraisal you may have had in the past. While typically requested by banks, you may wish to exploit this service if you suspect mortgage fraud related to your house.