Attention homeowners in Mill Creek and Snohomish County: Need an appraisal?
Here are the top 7 reasons why WA homeowners need Kent & Associates Appraisal:
Need help determining the price of your home in or near Mill Creek, WA?
At Kent & Associates Appraisal, we understand the unique needs of a consumer looking for appraisal services. While our typical business clients understand the appraisal process and standard reporting formats, you as a consumer will get extra 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 (FSBO) / Pre-Listing Services
It's very hard to be objective about your house because of your emotional attachment to it. Our professional appraisers at Kent & Associates Appraisal are objective. We won't just tell you what you want to hear, we will tell you what you need to know. In addition to helping you set a realistic selling price so your home will attract buyers, a professional appraisal is very crucial as a negotiating tool once you have an attainable buyer. It gives you something tangible to show the buyer. An appraisal is an independent third party's opinion of your house's value -- not just how much you think your home is worth. Potential buyers assume you have an emotional attachment to your home and will be far more likely to give credibility to a seasoned appraiser's value judgement than yours.
Appraisals to cancel PMI
Getting the PMI (Private Mortgage Insurance) eliminated from your mortgage loan is a fashionable way to cut costs for homeowners. Once your mortgage loan is less than 80% of the value of your home, in most cases you can apply to your lender to have the PMI eliminated from your loan, which will make your monthly payments go down. Kent & Associates Appraisal is experienced in helping people just like you do away with unwanted and unneeded PMI insurance.
Challenge property tax assessments
Lets say your home is not appreciating as much as other homes nearby -- your local tax assessor may have your home overvalued. This means you are most likely paying higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the sooner you take care of a matter like this, the better off you'll be. When contesting your property tax assessment, getting a professional appraisal from Kent & Associates Appraisal is your strongest weapon.
Recently got a freeze your HELOC?
Even if your specific property has not declined in value, your lender might make the decision to automatically freeze your home equity line of credit (HELOC) if your property is close to a declining area. This can this be troublesome from a cash flow viewpoint, and damaging to your credit score since it may appear as though that credit line is maxed out. Kent & Associates Appraisal can provide you with a professional appraisal that will help you reinstate your home equity line of credit.
Do You Need Field and Desktop Appraisal Review Services?
Do you need an expert to double-check your appraisal for efficiency, or do you desire a second opinion without the added cost and delay of waiting for a whole new appraisal? In a field review we'll go out and check the subject and comparables. Or, if you're in a hurry, we can provide desk review and verify as many facts as we can using online data sources as well as our own files.
Do you need a retrospective review of an appraisal report? Kent & Associates Appraisal can help with that too. Even though this is typically requested by banks, you may wish to exploit this service if you suspect mortgage fraud related to your home.