Real estate appraisal services for homeowners in the Harrison, Hancock & Jackson Counties.
See the top 7 reasons why Mississippi homeowners call on Karen Lorona Appraisals, Inc:
We at Karen Delk & Associates, Inc understand the individual needs of a consumer after appraisal services. The appraisal process and reporting formats are familiar to our business clients like lenders, attorneys, and CPAs. But as a consumer, you can expect extra guidance and explanations through the appraisal process to understand what we do and how we report the results of our analysis.
For-Sale-by-Owner (FSBO) / Pre-Listing ServicesIt's very hard to be objective about your own home because of your emotional attachment to it. The professional appraisers at Karen Delk & Associates, Inc 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 an interested 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. It's an independent third party's opinion of your home's value, and not just you saying how much your house is worth. Interested buyers know that 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.
Challenging property tax assessmentsIf you live in a region that is going down or is not appreciating as much as other properties close to yours, your local tax assessor may have your house overvalued. That means you're going to pay more taxes than you should. Since your property assessment may likely go up again in the next period, the earlier you take care of things like this, the better off you'll be. An appraisal report from Karen Delk & Associates, Inc is your perfect weapon when contesting your property tax assessment.
PMI Removal AppraisalsPMI stands for Private Mortgage Insurance. A preferred way to cut costs for homeowners is to get the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. Your monthly payments will go down once your mortgage loan amount is less than 80% of the value of your property. In most cases you can apply to a lender to have the PMI eliminated from your loan. Karen Delk & Associates, Inc is experienced in helping homeowners just like you remove unwanted PMI insurance.
Was your HELOC recently frozen?Even if your specific property has not declined in value, your lender might just decide to automatically freeze your home equity line of credit (HELOC) if your home is near a declining area. Not only can this be inopportune from a cash flow angle, but it can be unfavorable to your credit score since it may appear as though that credit line is maxed out. Karen Delk & Associates, Inc can help you reinstate your home equity line of credit with an expert appraisal.
We Also Offer Field and Desktop Appraisal Review ServicesDo you need a professional to double-check your appraisal for verity, or do you desire a second opinion without the expense and delay of waiting for a whole new appraisal? An appraiser from Karen Delk & Associates, Inc can go out and check the subject and comps in question in a field review. If you need it immediately, 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? Karen Delk & Associates, Inc can help you with that. Even though most review work is requested by lenders for quality control, homeowners that have reason to believe a prior appraisal wasn't above board are prudent to invest in a second opinion.