Attention homeowners in West Des Moines and Polk County: Get an Appraisal today!
See the top seven reasons IA homeowners need Kesterson Appraisal Services:
Own a house in or near West Des Moines, IA and need help deciding the price of it?
We at Kesterson Appraisal Services understand the unique needs of a homeowner after appraisal services. While our usual clients understand the appraisal process and standard reporting formats, you as a consumer will get an extra level of customer 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
Since you have an emotional attachment to your own house, it's often very hard to be objective about it. Our professional appraisers at Kesterson Appraisal Services are objective. We won't just tell you what you want to hear, we'll tell you what you need to know. In addition to helping you set a realistic price to sell at so your house will attract interested buyers, a professional appraisal is very crucial as a negotiating tool once you have an attainable buyer. It gives you something concrete to show your buyer. The appraisal is an independent third party's opinion of your property's value, not just how much your house is worth. Potential buyers know you have an emotional attachment to your house and will be more likely to give credibility to an accomplished appraiser's value judgement than yours.
Appraisals to cancel PMI
PMI stands for Private Mortgage Insurance. An attractive way to save money for homeowners is to get the PMI removed from their mortgage loan, thus saving them money on their monthly payments. Your monthly payments will go down once your mortgage loan is down below 80% of the value of your house. In most cases you can apply to a lender to have the PMI eliminated from your loan. At Kesterson Appraisal Services, we're seasoned in helping homeowners just like you delete undesirable PMI insurance.
Challenging Polk county's assessment of your property
Lets say your house is not appreciating as much as other homes nearby -- your local tax assessor may have your home overvalued. That only means you are going to pay more taxes than you should. Since your property assessment may likely go up again in the next period, the quicker you take care of things like this, the better. Getting an expert appraisal from Kesterson Appraisal Services is your chief weapon when challenging your property tax assessment.
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. This can be be detrimental to your credit score since it may appear as though that credit line is maxed out, and also difficult and inconvenient from a cash flow standpoint. Kesterson Appraisal Services can provide you with a professional appraisal to help you reinstate your HELOC.
We Provide Field and Desktop Appraisal Review Services
Do you need a professional to double-check your appraisal for verity, or do you want a second opinion without the cost and delay of waiting for a whole new appraisal? In a field review we will go out and check the subject and comparables. If you need it ASAP, we'll 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? Kesterson Appraisal Services can help you with that. Even though this is usually requested by banks, you may need to exploit this service if you suspect mortgage fraud related to your home.