Need an appraisal in Lubbock or Lubbock County?
Here are the top reasons Texas homeowners use Mindi Kitten Appraisals:
We at Mindi Kitten Appraisals understand the unique needs of a consumer looking for appraisal services. Our typical business clients understand the appraisal process and the standard documents we provide. But as a general consumer, we will provide you with extra guidance and explanations through the appraisal process to better understand what we do and how we report the results of our analysis.
Pre-listing Services/For Sale by Owner (FSBO)Since 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. In addition to helping you set a realistic price to sell at so your house will attract many interested buyers, a professional appraisal is a very important negotiating tool once you have a potential buyer. It's something concrete to show the buyer. The appraisal is an independent third party's opinion of your home's value, not just you saying how much your home is worth. Interested buyers assume that you have an emotional attachment to your home and will be more likely to give credibility to a seasoned appraiser's value opinion than yours.
Challenge Tax AssessmentLet's say your house is not appreciating as much as other houses nearby -- your local tax assessor may have your house overvalued. That means you're paying more taxes than you should. The quicker you take care of things like this, the better off you'll be, since your property assessment may likely go up again in the next period. When challenging your property tax assessment, getting an appraisal report from Mindi Kitten Appraisals is your number one weapon.
Appraisals to remove PMIGetting the PMI (Private Mortgage Insurance) canceled from your mortgage loan is a popular way to save money for homeowners. Your monthly payments will go down once your mortgage loan amount is down below 80% of the value of your property. In most cases you can apply to the lender to have the PMI canceled from your loan. Mindi Kitten Appraisals is qualified in helping customers just like you remove unneeded and unwanted PMI insurance.
HELOC recently frozen?Your lender just might make the decision to automatically freeze your home equity line of credit (HELOC) if your home is near a declining area -- even if your specific property has not declined in value. Not only can this be annoying from a cash flow point of view, but it can be unfavorable to your credit score since it may appear as though that credit line is maxed out. An expert appraisal from Mindi Kitten Appraisals can help you reinstate your HELOC.
Need Field and Desktop Appraisal Review Services?Do you need an expert to double-check your appraisal for accuracy, or do you desire a second opinion without the cost and delay of waiting for a whole new appraisal? Mindi Kitten Appraisals offers field reviews where we'll go out and check the subject and comparables. Or, if you need it in a rush, 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.
We can also provide a retrospective review of any appraisal you may have had in the past. Although most appraisal reviews are commissioned by lenders, homeowners suspecting a prior appraisal wasn't above board are wise to invest in a second opinion.