Need an appraisal in Lafayette or Lafayette County?
Check out the top seven reasons LA homeowners need Appraisals by Kana, LLC:
Do you own a home in or near Lafayette? Do you need help determining the value of your real estate?
At Appraisals by Kana, LLC, we understand the individual needs of a customer looking for appraisal services. While our usual business 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/Pre-Listing Services
Since you have an emotional attachment to your own 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. In addition to helping you set a realistic price to sell at so your property will attract buyers, a professional appraisal is very crucial as a negotiating tool once you have a likely buyer. The appraisal is something concrete to show your buyer. An appraisal is an independent third party's opinion of your house's value -- not just you saying how much you think your house is worth. Potential buyers assume that you have an emotional attachment to your home and will be more likely to give credibility to a qualified appraiser's value report than yours.
Appraisals to remove PMI
Getting the PMI (Private Mortgage Insurance) canceled from your mortgage loan is a popular way to cut expenses for homeowners. Your monthly payments will go down once your mortgage loan is down below 80% of the value of your property. In most cases you can apply to the lender to have the PMI removed from your loan. We're experienced in helping customers just like you rid yourselves of unneeded PMI insurance.
Challenge Tax Assessment
Your local tax assessor may have your home overvalued if you live in an area that's going down or is not appreciating as much as other properties close to yours. That means you are going to pay more taxes than you should. The sooner you take care of things like this, the better, since your property assessment may likely go up again in the next period. Getting an appraisal from Appraisals by Kana, LLC is your strongest weapon when contesting your property tax assessment.
Was your HELOC recently frozen?
Your lender might decide to automatically freeze your home equity line of credit (HELOC) if your home is near a declining area -- even if your specific property has not declined in value. This can this be disadvantageous from a cash flow viewpoint, and harmful to your credit score since it may appear as though that credit line is maxed out. Appraisals by Kana, LLC can help you reinstate your HELOC.
We Offer Field and Desktop Appraisal Review Services
Have you just been handed a copy of your appraisal and you'd wish to have a veteran 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. Or, if you're in a rush, 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? Appraisals by Kana, LLC can We can assist you. While usually requested by banks, you may wish to utilize this service if you suspect mortgage fraud related to your house.