Appraisal services for Vermillion and Clay County homeowners
The top reasons SD homeowners use Brandon Stelling:
Own a house in or near Vermillion, SD and need help deciding the value of it?
At Brandon Stelling, we understand the individual needs of a consumer in need of 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
Since you have an emotional attachment to your home, it's often very hard to be objective about it. Professional appraisers, like the ones at Brandon Stelling, will be objective. We 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 house will attract many interested buyers. It's something tangible to show the buyer. An appraisal is an independent third party's opinion of your house's price -- not just how much you think your house is worth. Interested buyers assume that you have an emotional attachment to your house and will be more likely to give credibility to an experienced appraiser's value opinion than yours.
Appraisals to remove PMI
A fashionable way to save money for homeowners is to get the PMI removed from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Your monthly payments will go down once your mortgage loan amount is less than 80% of the value of your property. In most cases you can apply to a lender to have the PMI removed from your loan. Brandon Stelling is veterans in helping homeowners just like you dismiss unnecessary PMI insurance.
Challenge a property tax assessment
If you live in a local area that is going down or is not appreciating as much as other properties close to yours, your local tax assessor may have your house overvalued. That means you are 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 things like this, the better off you'll be. When contesting your property tax assessment, getting an appraisal from Brandon Stelling is your #1 weapon.
HELOC recently frozen?
Even if your specific property has not declined in value, your lender just may decide to automatically freeze your home equity line of credit (HELOC) if your house is in a declining area. Not only can this be inopportune 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. Brandon Stelling can provide you with an expert appraisal to help you reinstate your home equity line of credit.
Do You Need Field and Desktop Appraisal Review Services?
Do you need an expert to double-check your appraisal for verity, or do you want a second opinion without the added expense and delay of waiting for a whole new appraisal? In a field review we'll go out and check the subject and comparables. Or, if you're in a hurry, we can 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 report? We can help you with that While usually requested by banks, you may wish to utilize this service if you suspect mortgage fraud related to your property.