Real estate appraisal services for homeowners in the city of Rhinelander and Oneida County
Here are the top reasons WI homeowners hire KEY INSIGHT:
Do you own a house in or near Rhinelander? Do you need help deciding the price of your real estate?
We at KEY INSIGHT understand the unique needs of a homeowner looking for appraisal services. Our business practices and reporting formats are relatively routine to our business clients like lenders, attorneys, and CPAs. Being a person not in the real estate field that ordinarily doesn't look at appraisals on a regular basis,we will give you extra guidance and explanations through the appraisal process to more clearly understand what we do and how we present our conclusions.
For Sale By Owner (FSBO)/Pre-Listing Services
Since you have an emotional attachment to your home, it's often very hard to be objective about it. Professional appraisers, like the ones at KEY INSIGHT, will be objective. We will tell you what you need to know, not just what you want to hear. A professional appraisal is a very valuable negotiating tool once you have an interested buyer, in addition to helping you set a realistic selling price so your home will attract many interested buyers. It gives you something concrete to show the buyer. An appraisal is an independent third party's opinion of your property's value -- not just how much your house is worth. Potential buyers assume you have an emotional attachment to your home and will be far more likely to give credibility to an experienced appraiser's value conclusion than yours.
Need to remove PMI?
Getting the PMI (Private Mortgage Insurance) canceled from your mortgage loan is a preferred way to cut costs for homeowners. Once your mortgage loan amount is below 80% of the value of your property, in most cases you can apply to the lender to have the PMI canceled from your loan, which will make your monthly payments go down. We're experienced in helping consumers just like you rid yourselves of unwanted PMI insurance.
Challenge property tax assessments
Lets say your house is not appreciating as much as other houses close to yours -- your local tax assessor may have your house overvalued. This means you're paying higher taxes than you should be paying. The sooner you take care of a matter like this, the better, since your property assessment may likely go up again in the next period. When challenging your property tax assessment, getting an appraisal from KEY INSIGHT is your chief weapon.
Was your HELOC recently frozen?
Even if your specific property has not declined in value, your lender just might decide to automatically freeze your home equity line of credit (HELOC) if your house is near a declining area. Not only can this be inconvenient from a cash flow standpoint, but it can be unfavorable to your credit score since it may appear as though that credit line is maxed out. An expert appraisal from KEY INSIGHT can help you reinstate your HELOC.
Need 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 want an expert to double-check your appraisal for precision? KEY INSIGHT offers field reviews where we go out and check the subject and comps. If you need it ASAP, we'll 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 you may have in your possession. While typically requested by banks, you may wish to exploit this service if you suspect mortgage fraud related to your property.