Need an appraisal in Rhinelander or Oneida County?
Check out the top seven reasons why WI homeowners use KEY INSIGHT:
Need help deciding the value of your house in or near Rhinelander, WI?
At KEY INSIGHT, we understand the special needs of a customer looking for appraisal services. While our typical 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.
For-Sale-By-Owner (FSBO) / Pre-Listing Services
It's very hard to be objective about your own house because you most likely have an emotional attachment to 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 crucial negotiating tool once you have a potential buyer, in addition to helping you set a realistic price to sell at so your home will attract many interested buyers. It's something tangible to show your buyer. An appraisal is an independent third party's opinion of your house's price -- not just how much your house is worth. Interested buyers assume you have an emotional attachment to your house and will be more likely to give credibility to an accomplished appraiser's value opinion than yours.
PMI Removal Appraisals
A fashionable way to cut costs for homeowners is to get the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". 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 canceled from your loan, which will make your monthly payments go down. At KEY INSIGHT, we're experienced in helping customers just like you get rid of unneeded PMI insurance.
Challenge property tax assessments
Lets say your house is not appreciating as much as other houses close by -- your local tax assessor may have your house overvalued. That means you're paying more taxes than you should. The quicker 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 expert appraisal from KEY INSIGHT is your number one weapon when challenging your property tax assessment.
Recently got a freeze your HELOC?
Your lender just may decide to automatically freeze your home equity line of credit (HELOC) if your house is in a declining area -- even if your specific property has not declined in value. Not only can this be disadvantageous from a cash flow standpoint, but it can be negative on your credit score since it may appear as though that credit line is maxed out. An appraisal from KEY INSIGHT can help you reinstate your HELOC.
We Also Offer Field and Desktop Appraisal Review Services
Would you prefer a second opinion without the cost and delay of waiting for a whole new appraisal? Or do you need a seasoned appraiser to double-check your appraisal for precision? KEY INSIGHT offers field reviews where we'll go out and check the subject and comparables. If you're in a rush, we'll provide 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 you may have in your possession. While typically requested by banks, you may need to exercise this service if you suspect mortgage fraud related to your house.