Attention homeowners in Waterville and Le Sueur County: Get an Appraisal today!
The top seven reasons Minnesota homeowners hire Curran Appraisals:
We at Curran Appraisals understand the particular needs of a customer seeking appraisal services. While our typical clients understand the appraisal process and standard reporting formats, you as a consumer will get an extra level of customer service in the form of an explanation of the process and even special consumer-friendly reporting forms if the assignment allows for them.
Pre-listing Services/For Sale by Owner (FSBO)It's very hard to be objective about your own home because you most likely have an emotional attachment to it. The professional appraisers at Curran Appraisals will tell you what you need to know -- not just what you want to hear. We are objective. A professional appraisal is a very important negotiating tool once you have a likely buyer, in addition to helping you set a realistic selling price so your property will attract many interested buyers. It's something tangible to show the buyer. It's an independent third party's opinion of your property's value, and not just how much your home is worth. Potential buyers know that you have an emotional attachment to your home and will be more likely to give credibility to a professional appraiser's value report than yours.
Challenge a property tax assessmentYour local tax assessor may have your home overvalued if you live in a local area that is going down or not appreciating as much as other properties close by. This means you're paying higher taxes than you should be paying. 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 expert appraisal from Curran Appraisals is your chief weapon when challenging your property tax assessment.
Appraisals to cancel PMIGetting the PMI (Private Mortgage Insurance) removed from your mortgage loan is an attractive way to cut expenses for homeowners. Your monthly payments will go down once your mortgage loan amount is less than 80% of the value of your house. In most cases you can apply to a lender to have the PMI eliminated from your loan. Curran Appraisals is qualified in helping consumers just like you dismiss unwanted PMI insurance.
Recently got a freeze to your HELOC?If your property is in or near a declining area, your lender may choose to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can be disadvantageous from a cash flow standpoint, and bad for your credit score since it may appear as though that credit line is maxed out. An expert appraisal from Curran Appraisals can help you reinstate your HELOC.
Field and Desktop Appraisal Review ServicesDo you need a veteran appraiser to double-check your appraisal for precision, or do you need 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 comps. 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.
Do you need a retrospective review of an appraisal report? Curran Appraisals can help you with that. While typically requested by banks, you may wish to use this service if you suspect mortgage fraud related to your property.