Attention homeowners in Lafayette and Lafayette County: Need an appraisal?
The top 7 reasons LA homeowners need Appraisals by Kana, LLC:
Need help deciding the value of your house in or near Lafayette, LA?
At Appraisals by Kana, LLC, we understand the particular needs of a homeowner seeking 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.
For Sale By Owner (FSBO)/Pre-Listing Services
Since you have an emotional attachment to your house, 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 selling price so your house will attract buyers, a professional appraisal is a very valuable negotiating tool once you have an interested buyer. It gives you something tangible to show the buyer. An appraisal is an independent third party's opinion of your house's price -- not just you saying how much you think your home is worth. Potential buyers assume that you have an emotional attachment to your house and will be far more likely to give credibility to a seasoned appraiser's value conclusion than yours.
PMI Removal Appraisals
A fashionable 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 amount is down below 80% of the value of your property, 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. Appraisals by Kana, LLC is qualified in helping customers just like you dismiss unwanted PMI insurance.
Challenge a property tax assessment
Lets say you live in a local area that is declining -- your local tax assessor may have your house overvalued. This means you're going to pay higher taxes than you should be paying. The sooner you take care of things like this, the better, since your property assessment may likely go up again in the next period. When contesting your property tax assessment, getting an expert appraisal from Appraisals by Kana, LLC is your perfect weapon.
Was your HELOC recently frozen?
If your home is near a declining area, your lender just might make the decision to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can be be destructive to your credit score since it may appear as though that credit line is maxed out, and also annoying from a cash flow point of view. Appraisals by Kana, LLC can provide you with efficient appraisal that will help you reinstate your home equity line of credit.
Field and Desktop Appraisal Review Services
Have you just gotten a copy of your appraisal and you would like to have a seasoned appraiser double-check it for preciseness or do you need a second opinion without the charge and delay of waiting for a whole new appraisal? An appraiser from Appraisals by Kana, LLC can go out and check the subject and comparables in question in a field review. If you need it immediately, 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.
Do you need a retrospective review of an appraisal? Appraisals by Kana, LLC can help you with that. While typically requested by banks, you may want to utilize this service if you suspect mortgage fraud related to your home.