Appraisal services for Lafayette and Lafayette County homeowners
The top seven reasons LA homeowners need Appraisals by Kana, LLC:
Own a home in or near Lafayette, LA and need help determining the price of it?
At Appraisals by Kana, LLC, we understand the unique needs of a consumer seeking appraisal services. While our typical business 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
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. A professional appraisal is a very valuable negotiating tool once you have a likely buyer, in addition to helping you set a realistic selling price so your property will attract buyers. The appraisal is something tangible to show the buyer. An appraisal is an independent third party's opinion of your home's price -- not just how much your house is worth. Interested buyers assume that you have an emotional attachment to your house and will be far more likely to give credibility to an experienced appraiser's value conclusion than yours.
Appraisals to remove PMI
Getting the PMI (Private Mortgage Insurance) removed from your mortgage loan is a preferred way to save money for homeowners. Once your mortgage loan is below 80% of the value of your property, in most cases you can apply to your lender to have the PMI removed from your loan, which will make your monthly payments go down. We are experts in helping people just like you dismiss unneeded PMI insurance.
Challenging a property tax assessment
Lets say your house is not appreciating as much as other houses nearby -- your local tax assessor may have your house overvalued. That means you're probably paying more taxes than you should. Since your property assessment may likely go up again in the next period, the sooner you take care of a matter like this, the better. A professional appraisal from Appraisals by Kana, LLC is your perfect weapon when contesting your property tax assessment.
HELOC recently frozen?
Your lender may just choose to automatically freeze your home equity line of credit (HELOC) if your home is in a declining area -- even if your specific property has not declined in value. This can this be annoying from a cash flow angle, and detrimental 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 home equity line of credit with an expert appraisal.
Need Field and Desktop Appraisal Review Services?
Have you just accepted a copy of your appraisal and you would wish to have an expert double-check it for efficiency or do you desire a second opinion without the added cost and delay of waiting for a whole new appraisal? We can go out and check the subject and comps in a field review. If you need it ASAP, 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.
We can also provide a retrospective review of any appraisal you may have had in the past. Even though this is typically requested by banks, you may wish to take advantage of this service if you suspect mortgage fraud related to your home.