Appraisal services for Fairmont and Martin County homeowners
See the top 7 reasons why Minnesota homeowners call on Mahoney Appraisals:
At Mahoney Appraisals, we understand the individual needs of a consumer seeking appraisal services. While our usual clients understand the appraisal process and standard reporting formats, you as a consumer will get extra 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 OwnerIt's very hard to be objective about your own home because of your emotional attachment to it. The professional appraisers at Mahoney Appraisals will tell you what you need to know -- not just what you want to hear. We are objective. In addition to helping you set a realistic price to sell at so your house will attract interested buyers, a professional appraisal is very important as a negotiating tool once you have a likely buyer. The appraisal is something tangible to show your buyer. An appraisal is an independent third party's opinion of your home's value -- not just how much your house is worth. Interested buyers assume you have an emotional attachment to your house and will be far more likely to give credibility to a professional appraiser's value report than yours.
Challenge a property tax assessmentLet's say your house is not appreciating as much as other homes close to yours -- your local tax assessor may have your home overvalued. This means you are most likely paying higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the sooner you take care of a matter like this, the better. When contesting your property tax assessment, getting an appraisal from Mahoney Appraisals is your #1 weapon.
Appraisals to cancel PMIAn attractive way to cut expenses for homeowners is getting the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Your monthly payments will go down once your mortgage loan amount is less than 80% of the value of your home. In most cases you can apply to a lender to have the PMI removed from your loan. We are experts in helping customers just like you do away with unwanted and unneeded PMI insurance.
Recently got a freeze to your HELOC?Even if your specific property has not declined in value, your lender may just make the decision to automatically freeze your home equity line of credit (HELOC) if your property is in or near a declining area. Not only can this be unsuitable from a cash flow angle, but it can be detrimental to your credit score since it may appear as though that credit line is maxed out. Mahoney Appraisals can provide you with a professional appraisal that will help you reinstate your HELOC.
We Also Provide Field and Desktop Appraisal Review ServicesHave you just been handed a copy of your appraisal and you'd like to have an expert double-check it for efficiency or do you need a second opinion without the cost and delay of waiting for a whole new appraisal? An appraiser from Mahoney Appraisals can go out and check the subject and comps in a field review. If you need it immediately, we'll provide you with a 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? Mahoney Appraisals can help you with that. While usually requested by banks, you may desire to make use of this service if you suspect mortgage fraud related to your property.