Attention homeowners in Rhinelander and Oneida County: Get an Appraisal today!
See the top reasons WI homeowners need KEY INSIGHT:
Do you own a home in or near Rhinelander? Do you need help determining the price of your real estate?
At KEY INSIGHT, we understand the unique needs of a consumer in need of appraisal services. The appraisal process and reporting formats are relatively routine to our business clients like banks, attorneys, and CPAs. Being a consumer that most likely doesn't look at appraisals every day,you can expect extra guidance and explanations through the appraisal process to understand what we do and how we present the results of our analysis.
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. The professional appraisers at KEY INSIGHT will tell you what you need to know -- not just what you want to hear. We are objective. In addition to helping you set a realistic selling price so your property will attract buyers, a professional appraisal is very valuable as a negotiating tool once you have a potential 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 how much you think your house is worth. Interested buyers know you have an emotional attachment to your home and will be far more likely to give credibility to an accomplished appraiser's value judgement than yours.
Need to cancel PMI?
Getting the PMI (Private Mortgage Insurance) removed from your mortgage loan is a popular way to cut costs for homeowners. 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 canceled from your loan, which will make your monthly payments go down. At KEY INSIGHT, we're experienced in helping people just like you dismiss unneeded and unwanted PMI insurance.
Challenge Tax Assessment
If you live in a region that is declining or not appreciating as much as other homes close to yours, your local tax assessor may have your house overvalued. This only means you're most likely paying higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the earlier you take care of things like this, the better. When contesting your property tax assessment, getting an appraisal from KEY INSIGHT is your #1 weapon.
Recently got a freeze your HELOC?
If your property is in or near a declining area, your lender just might choose to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. Not only can this be inconvenient from a cash flow angle, but it can be detrimental to your credit score since it may appear as though that credit line is maxed out. An expert appraisal from KEY INSIGHT can help you reinstate your HELOC.
We Also Provide Field and Desktop Appraisal Review Services
Do you need a seasoned appraiser to double-check your appraisal for precision, or do you want a second opinion without the expense and delay of waiting for a whole new appraisal? In a field review we will go out and check the subject and comps in question. If you're in a hurry, 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.
Need a retrospective review of an appraisal? We can help with that too. While usually requested by banks, you may need to take advantage of this service if you suspect mortgage fraud related to your property.