Attention homeowners in Hokah and Houston County: Need an appraisal?

The top seven reasons Minnesota homeowners order from Kurt Carlson Appraiser:

To get a pre-listing appraisal (whether they're selling the home on their own or using a real estate agent)
Challenge property tax assessments
To cut your mortgage payment by removing PMI
To reinstate your Home Equity Line of Credit (or HELOC)
Review another appraiser's report for verification
In the case of a divorce in the state of Minnesota, when real estate needs to be divided
Determine the true market value of the property in question to settle an estate in Minnesota


	Need help determining the price of your house in or near Hokah, Minnesota? Contact Kurt Carlson Appraiser.

At Kurt Carlson Appraiser, we understand the particular needs of a homeowner looking for appraisal services. While our usual business clients understand the appraisal process and standard reporting formats, you as a consumer will get extra customer 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

Since you have an emotional attachment to your home, it's often very hard to be objective about it. Our professional appraisers at Kurt Carlson Appraiser are objective. We won't just tell you what you want to hear, we will tell you what you need to know. A professional appraisal is a crucial negotiating tool once you have a potential buyer, in addition to helping you set a realistic price to sell at so your property will attract buyers. The appraisal is something tangible to show the buyer. The appraisal is an independent third party's opinion of your house's market value, not just you saying how much you think your home is worth. Interested buyers assume you have an emotional attachment to your home and will be more likely to give credibility to a qualified appraiser's value conclusion than yours.

Challenge a property tax assessment

Your local tax assessor may have your home overvalued if you live in a local area that is declining or is not appreciating as much as other houses close by. This only means you are going to pay higher taxes than you should be paying. The faster you take care of a matter like this, the better off you'll be, since your property assessment may likely go up again in the next period. An appraisal report from Kurt Carlson Appraiser is your #1 weapon when contesting your property tax assessment.

PMI Removal Appraisals

A popular way to cut expenses for homeowners is getting the PMI removed from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Once your mortgage loan is below 80% of the value of your home, in most cases you can apply to the lender to have the PMI removed from your loan, which will make your monthly payments go down. We're experienced in helping homeowners just like you abolish unwanted and unneeded PMI insurance.

Was your HELOC recently frozen?

Even if your specific property has not declined in value, your lender might decide to automatically freeze your home equity line of credit (HELOC) if your property is near a declining area. This can be inopportune from a cash flow point of view, and bad for your credit score since it may appear as though that credit line is maxed out. Kurt Carlson Appraiser can help you reinstate your home equity line of credit with an expert appraisal.

Do You Need Field and Desktop Appraisal Review Services?

Would you prefer a second opinion without the added cost and delay of waiting for a whole new appraisal? Or do you desire an expert to double-check your appraisal for precision? Kurt Carlson Appraiser offers field reviews where we'll go out and check the subject and comparables. 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 a retrospective review of any appraisal report you may have had in the past. Even though most appraisal reviews are requested by lenders, homeowners suspecting a prior appraisal wasn't above board are wise to invest in a second opinion.