Attention homeowners in Monroe and Ouachita County: Get an Appraisal today!
The top reasons LA homeowners need Fred Kalil & Associates:
Do you own a home in or near Monroe? Do you need help deciding the price of your real estate?
At Fred Kalil & Associates, we understand the individual needs of a homeowner after appraisal services. Our customary business clients get the appraisal process and the usual reporting formats. But as a consumer,we will provide you with extra guidance and explanations through the appraisal process to better understand what we do and how we present our conclusions. For-Sale-By-Owner (FSBO) / Pre-Listing ServicesSince you have an emotional attachment to your own 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. A professional appraisal is a very valuable negotiating tool once you have an attainable buyer, in addition to helping you set a realistic price to sell at so your property will attract interested buyers. The appraisal is something tangible to show your buyer. An appraisal is an independent third party's opinion of your property's value -- not just you saying how much you think your house is worth. Interested buyers know that you have an emotional attachment to your house and will be much more likely to give credibility to an experienced appraiser's value opinion than yours. Appraisals to cancel PMIAn attractive way to cut costs for homeowners is to get the PMI canceled 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 house, in most cases you can apply to your lender to have the PMI canceled from your loan, which will make your monthly payments go down. At Fred Kalil & Associates, we're experienced in helping folks just like you rid themselves of unneeded PMI insurance. Challenge property tax assessmentsIf you live in a local area that is declining or not appreciating as much as other houses close to yours, your local tax assessor may have your home overvalued. This means you're paying higher taxes than you should be paying. The sooner you take care of a matter like this, the better off you'll be, since your property assessment may likely go up again in the next period. When contesting your property tax assessment, getting an appraisal report from Fred Kalil & Associates is your #1 weapon. Was your HELOC recently frozen?If your property is near a declining area, your lender may just decide to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. Not only can this be unsuitable from a cash flow standpoint, but it can be detrimental to your credit score since it may appear as though that credit line is maxed out. Fred Kalil & Associates can help you reinstate your HELOC. Need Field and Desktop Appraisal Review Services?Have you just received a copy of your appraisal and you would prefer to have an expert double-check it for accuracy or do you want 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 comparables in a field review. If you're in a hurry, we'll provide 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 report? Fred Kalil & Associates can help you with that. Even though this is usually requested by banks, you may want to utilize this service if you suspect mortgage fraud related to your house. |