Let Appraisals by Kana, LLC take care of your appraisal needs
Each year, thousands of people in Louisiana buy, sell or refinance their home. A lot of these transactions include a simple line item for an appraisal. And even though there are a multiplying number of automated home valuation systems that may appear cheaper than an appraisal, most lenders still want a local expert because the stakes are very high. Is getting a mortgage the only reason to get an appraisal? Are there also times when the services of a certified, independent real estate professional might be helpful? Of course.
Dispute your tax assessment in Lafayette County
If you are in an area where the property value has depreciated, it's possible you're paying too much in property taxes. An appraisal from Appraisals by Kana, LLC is your best evidence when building your case. We can assist you in disputing your tax assessment.
PMI removal to reduce a mortgage payment
When the amount being loaned to the home buyeris more than 80% of the actual value of the home, almost all lenders ask home buyers to take out this added insurance plan. That policy is Private Mortgage Insurance, or PMI. Since the extra payment is usually folded into the monthly mortgage payment, it is often forgotten. This is unfavorable because PMI isn't necessary when the remainder of the loan - whether through market appreciation or principal pay down - dips below the 80% level. In fact, the Homeowners Protection Act (HPA) of 1998 was invoked by the United States Congress that requires lenders to remove the PMI payments when the loan-to-value ratio conditions have been met.
If you'd like to do away with PMI, Appraisals by Kana, LLC will produce a statement regarding the value of your home. The price you paid for the home valuation can generally be recovered in a short amount of time because you'll no longer be paying the PMI.
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Get a fair valuation on a home for divorce settlements
A divorce is often complicated by the burdensome decision of who keeps the home, and it can be an especially daunting ordeal for both parties. So both parties are entirely aware of the true market value of their house, it's a good idea to order an appraisal from Appraisals by Kana, LLC, regardless of the circumstances.
The parties will have a better idea of what price to set, if they want to sell the home. And on the flip side, if a "buyout" is the chosen option, both parties will feel like they've received a fair evaluation.
Determine a fair and accurate valuation for estate liquidation
The loss of a loved one is a difficult time in life, and settling an estate from a death, or probate, often calls for an appraisal to establish Fair Market Value for the residential property involved. We ensure the maximum degree of discretion, as we're bound with confidentiality by the ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP).
Most Americans don't have dedicated estate planners or executors to take care of these issues, unlike many wealthy individuals. And since a home or other property often makes up an unequal share of the total estate value, understanding the true worth of the real estate at hand is of essential importance to ensuring disputing parties walk away knowing they've received an honest deal.
Move to or from Lafayette County for work
Employee relocation is a stressful event, and we understand. That being said, we take great care in establishing an accommodating appointment time for the appraisal inspection. We encourage relocating employees to provide input on the positive aspects of their property, along with information regarding any recent sales or listings in their area that they want considered during our intensive inspection.
Sell your home promptly — for the right price
A professional appraisal can help you make a better educated decision when determining your asking price, whether you want to sell your home on your own or with the help of a real estate agent. An appraiser has no vested interest in what amount the house sells for, apart from real estate agents. Our fees aren't related to the sales price, but rather they are calculated on our efforts to finish the appraisal report.
We examine the difference in value items like an additional bathroom or a kitchen remodel can make on a daily basis. Obtaining a professional appraisal is a reliable way to determine what improvements will add value and what an applicable sales price is for your home so you don't come up short or have your house on the market an unnecessarily long time, because we're experts in knowing how long homes stay on the market.