Attention homeowners in Rhinelander and Oneida County: Get an Appraisal today!
Here are the top 7 reasons WI homeowners call on KEY INSIGHT:
Own a house in or near Rhinelander, WI and need help deciding the price of it?
We at KEY INSIGHT understand the unique needs of a homeowner after appraisal services. Our business practices and reporting formats are familiar to our business clients like banks, lawyers, and accountants. But as a consumer,we'll be sure you get extra guidance and explanations through the appraisal process to better understand what we do and how we present our findings.
For-Sale-By-Owner (FSBO) / Pre-Listing Services
Since you have an emotional attachment to your own house, it's often very hard to be objective about 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 very valuable as a negotiating tool once you have an attainable buyer, in addition to helping you set a realistic price to sell at so your home will attract buyers. It gives you something concrete to show the buyer. The 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. Potential buyers know you have an emotional attachment to your home and will be more likely to give credibility to an accomplished appraiser's value conclusion than yours.
Appraisals to cancel PMI
A fashionable money saver for homeowners is getting the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". 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 canceled from your loan, which will make your monthly payments go down. At KEY INSIGHT, we're veterans in helping folks just like you do away with undesirable PMI insurance.
Challenge property tax assessments
If you live in an area that is declining or not appreciating as much as other properties nearby, your local tax assessor may have your house overvalued. This means you're paying higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the earlier you take care of things like this, the better off you'll be. Getting a professional appraisal from KEY INSIGHT is your #1 weapon when contesting your property tax assessment.
Recently got a freeze your HELOC?
Even if your specific property has not declined in value, your lender may make the decision to automatically freeze your home equity line of credit (HELOC) if your house is near a declining area. This can be be detrimental to your credit score since it may appear as though that credit line is maxed out, and also difficult from a cash flow point of view. An expert appraisal from KEY INSIGHT can help you reinstate your HELOC.
Field and Desktop Appraisal Review Services
Would you wish 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 efficiency? KEY INSIGHT offers field reviews where we'll go out and check the subject and comps. If you need it in a rush, we'll provide desk review and verify as many facts as we can using online data sources as well as our own files.
Need a retrospective review of an appraisal report? We can help you with that Even though this is typically requested by banks, you may want to make use of this service if you suspect mortgage fraud related to your home.