Appraisal services for Sioux Falls and Minnehaha County homeownersCheck out the top seven reasons South Dakota homeowners need Ballard Appraisal Service:
We at Ballard Appraisal Service understand the individual needs of a customer looking for appraisal services. The appraisal process and reporting formats are familiar to our business clients like lenders, attorneys, and CPAs. Being a regular homeowner that probably doesn't look at appraisals every day, we will give you extra guidance and explanations through the appraisal process to more fully understand what we do and how we report our findings. For-Sale-by-Owner (FSBO) / Pre-Listing ServicesIt's very hard to be objective about your house because you most likely have an emotional attachment to it. Professional appraisers, like the ones at Ballard Appraisal Service, are objective. We will tell you what you need to know, not just what you want to hear. A professional appraisal is a very important negotiating tool once you have a potential buyer, in addition to helping you set a realistic selling price so your house will attract buyers. It's something tangible to show the buyer. An appraisal is an independent third party's opinion of your home's value -- not just how much your house is worth. Potential buyers know you have an emotional attachment to your house and will be far more likely to give credibility to a professional appraiser's value opinion than yours.Challenging Minnehaha County's assessment of your propertyYour local tax assessor may have your home overvalued if you live in a local area that's going down. That only means you are probably paying more taxes than you should. Since your property assessment may likely go up again in the next period, the quicker you take care of a matter like this, the better off you'll be. An appraisal report from Ballard Appraisal Service is your chief weapon when challenging your property tax assessment.Need to remove PMI?An attractive way to cut costs 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". Once your mortgage loan 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. At Ballard Appraisal Service, we're qualified in helping homeowners just like you remove unwanted PMI insurance.HELOC recently frozen?Even if your specific property has not declined in value, your lender may decide to automatically freeze your home equity line of credit (HELOC) if your property is close to a declining area. Not only can this be unsuitable 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. An appraisal from Ballard Appraisal Service can help you reinstate your HELOC.Do You Need Field and Desktop Appraisal Review Services?Would you wish a second opinion without the expense and delay of waiting for a whole new appraisal? Or do you desire a seasoned professional to double-check your appraisal for preciseness? We can go out and check the subject and comps in question in a field review. If you need it ASAP, we'll provide desk review and verify as many facts as we can, using online data sources as well as our own files.We can also provide you with a retrospective review of any appraisal report you may have had in the past. While typically requested by banks, you may need to use this service if you suspect mortgage fraud related to your house. |
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