Need an appraisal in Mill Creek or Snohomish County?
The top seven reasons why WA homeowners call on Kent & Associates Appraisal:
Need help deciding the price of your home in or near Mill Creek, WA?
We at Kent & Associates Appraisal understand the particular needs of a consumer in need of appraisal services. Our regular business clients understand the appraisal process and the usual "products" we deliver to them. But as a general consumer,you will receive extra guidance and explanations through the appraisal process to more fully understand what we do and how we document the results of our analysis.
For Sale By Owner/Pre-Listing Services
It's very hard to be objective about your house because of your emotional attachment to it. Professional appraisers, like the ones at Kent & Associates Appraisal, will be objective. We'll 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 home will attract buyers, a professional appraisal is very valuable as a negotiating tool once you have an attainable buyer. It gives you something tangible to show your buyer. The appraisal is an independent third party's opinion of your house's value, not just how much you think your house is worth. Potential buyers assume you have an emotional attachment to your house and will be far more likely to give credibility to a qualified appraiser's value judgement than yours.
PMI Removal Appraisals
PMI stands for Private Mortgage Insurance. A preferred way to cut expenses for homeowners is getting the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. Your monthly payments will go down once your mortgage loan amount is below 80% of the value of your home. In most cases you can apply to your lender to have the PMI eliminated from your loan. Kent & Associates Appraisal is seasoned in helping customers just like you rid yourselves of unnecessary PMI insurance.
Challenging a property tax assessment
Lets say you live in a local area that is going down -- your local tax assessor may have your house overvalued. That only means you're probably paying more taxes than you should. Since your property assessment may likely go up again in the next period, the faster you take care of things like this, the better. When challenging your property tax assessment, getting an expert appraisal from Kent & Associates Appraisal is your strongest weapon.
Recently got a freeze your HELOC?
Your lender might just choose to automatically freeze your home equity line of credit (HELOC) if your property is in or near a declining area -- even if your specific property has not declined in value. This can this be difficult from a cash flow point of view, and destructive to your credit score since it may appear as though that credit line is maxed out. Kent & Associates Appraisal can provide you with efficient appraisal to help you reinstate your home equity line of credit.
We Offer Field and Desktop Appraisal Review Services
Do you need a professional to double-check your appraisal for accuracy, or do you need a second opinion without the added expense and delay of waiting for a whole new appraisal? An appraiser from Kent & Associates Appraisal can go out and check the subject and comparables in a field review. Or, if you need it immediately, 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 usually requested by banks, you may need to exercise this service if you suspect mortgage fraud related to your house.