Attention homeowners in Springfield and Greene County: Get an Appraisal today!
Here are the top seven reasons Missouri homeowners hire Steven Kittle Appraisals:
At Steven Kittle Appraisals, we understand the special 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 customer 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 ServicesIt's very hard to be objective about your home because you probably have an emotional attachment to it. Professional appraisers, like the ones at Steven Kittle Appraisals, will be objective. We'll tell you what you need to know, not just what you want to hear. In addition to helping you set a realistic selling price so your house will attract many interested buyers, a professional appraisal is very crucial as a negotiating tool once you have a potential buyer. The appraisal is something tangible to show the buyer. The appraisal is an independent third party's opinion of your property's market value, not just how much your house is worth. Potential buyers assume you have an emotional attachment to your home and will be much more likely to give credibility to an accomplished appraiser's value estimation than yours.
Challenge Tax AssessmentIf you live in an area that is going down or is not appreciating as much as other houses close to yours, your local tax assessor may have your house overvalued. That only means you are most likely paying more taxes than you should. Since your property assessment may likely go up again in the next period, the faster you take care of a matter like this, the better. When challenging your property tax assessment, getting a professional appraisal from Steven Kittle Appraisals is your best weapon.
Appraisals to remove PMIA popular money saver for homeowners is to get the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Once your mortgage loan is less than 80% of the value of your home, in most cases you can apply to the lender to have the PMI canceled from your loan, which will make your monthly payments go down. We are experts in helping people just like you do away with unnecessary PMI insurance.
Recently got a freeze to your HELOC?If your house is near a declining area, your lender may just choose to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can be detrimental to your credit score since it may appear as though that credit line is maxed out, and also troublesome from a cash flow point of view. Steven Kittle Appraisals can help you reinstate your home equity line of credit with an expert appraisal.
Field and Desktop Appraisal Review ServicesHave you just accepted a copy of your appraisal and you would like to have a seasoned expert double-check it for accuracy or do you want a second opinion without the cost and delay of waiting for a whole new appraisal? In a field review we will go out and check the subject and comparables in question. Or, if you need it immediately, we can 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 usually requested by banks, you may want to make use of this service if you suspect mortgage fraud related to your house.