Real estate appraisal services for homeowners in the city of Spearfish and Lawrence County
The top seven reasons SD homeowners use Konstant & Klein Appraisals:
Do you own a home in or near Spearfish? Do you need help determining the price of your real estate?
At Konstant & Klein Appraisals, we understand the particular needs of a homeowner after appraisal services. Our customary business clients get the appraisal process and the standard "products" we deliver to them. As our non-traditionalclient, you will receive extra guidance and explanations through the appraisal process to understand what we do and how we present our findings. For Sale By Owner/Pre-Listing ServicesIt's very hard to be objective about your own house 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. A professional appraisal is a crucial negotiating tool once you have an interested buyer, in addition to helping you set a realistic selling price so your home will attract buyers. It's something tangible to show the buyer. An appraisal is an independent third party's opinion of your property's price -- not just how much you think your house is worth. Potential buyers assume that you have an emotional attachment to your home and will be more likely to give credibility to a seasoned appraiser's value conclusion than yours. Need to cancel PMI?PMI stands for Private Mortgage Insurance. A preferred way to cut costs for homeowners is getting 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 amount is down below 80% of the value of your property. In most cases you can apply to your lender to have the PMI eliminated from your loan. We're veterans in helping people just like you do away with unneeded and unwanted PMI insurance. Challenging a property tax assessmentYour local tax assessor may have your home overvalued if you live in a region that is declining or not appreciating as much as other properties close to yours. That only means you are most likely paying more taxes than you should. The faster you take care of things like this, the better off you'll be, since your property assessment may likely go up again in the next period. When contesting your property tax assessment, getting an expert appraisal from Konstant & Klein Appraisals is your number one weapon. Was your HELOC recently frozen?If your property is near a declining area, your lender just might make the decision to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can this be disadvantageous from a cash flow viewpoint, and unfavorable to your credit score since it may appear as though that credit line is maxed out. An efficient appraisal from Konstant & Klein Appraisals can help you reinstate your HELOC. Field and Desktop Appraisal Review ServicesWould you like a second opinion without the charge and delay of waiting for a whole new appraisal? Or do you desire a seasoned expert to double-check your appraisal for efficiency? In a field review we will go out and check the subject and comps in question. Or, if you need it ASAP, 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 report you may have had in the past. While usually requested by banks, you may need to use this service if you suspect mortgage fraud related to your property. |