Attention homeowners: Real estate appraisal services for in Ely and Linn County
See the top seven reasons why IA homeowners order from Ihns Appraisal Inc.:
Do you own a house in or near Ely? Do you need help determining the value of your real estate?
At Ihns Appraisal Inc., we understand the unique needs of a homeowner after 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.
Pre-listing Services/For Sale By Owner (FSBO)
Since you have an emotional attachment to your home, 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 a very valuable negotiating tool once you have a potential buyer, in addition to helping you set a realistic price to sell at so your house will attract many interested buyers. It's something concrete to show your buyer. It's an independent third party's opinion of your property's value, and not just how much your home is worth. Interested buyers know you have an emotional attachment to your house and will be much more likely to give credibility to an accomplished appraiser's value estimation than yours.
PMI Removal Appraisals
Getting the PMI (Private Mortgage Insurance) eliminated from your mortgage loan is a fashionable way to cut expenses 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 canceled from your loan, which will make your monthly payments go down. At Ihns Appraisal Inc., we're seasoned in helping clients just like you delete unneeded and unwanted PMI insurance.
Challenge property tax assessments
Your local tax assessor may have your home overvalued if you live in a region that is declining or not appreciating as much as other homes close to yours. This only 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 faster you take care of things like this, the better off you'll be. Getting an appraisal from Ihns Appraisal Inc. is your chief weapon when contesting your property tax assessment.
Recently got a freeze your HELOC?
If your property is close to a declining area, your lender may decide to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can be be destructive to your credit score since it may appear as though that credit line is maxed out, and also inconvenient from a cash flow point of view. Ihns Appraisal Inc. can provide you with a professional appraisal to help you reinstate your HELOC.
We Offer Field and Desktop Appraisal Review Services
Have you just accepted a copy of your appraisal and you would prefer to have a seasoned appraiser double-check it for accuracy or do you need a second opinion without the charge and delay of waiting for a whole new appraisal? In a field review we'll go out and check the subject and comps in question. If you need it immediately, 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.
Do you need a retrospective review of an appraisal report? Ihns Appraisal Inc. can help you with that. Even though this is typically requested by banks, you may need to make use of this service if you suspect mortgage fraud related to your home.