Attention homeowners in Kokomo and Howard County: Get an Appraisal today!

Here are the top 7 reasons IN homeowners order from H&K Appraisals:

  1. Get a pre-listing appraisal (whether they're selling the home themselves or using a real estate agent)
  2. Challenge Howard county's assessment of your property
  3. Remove PMI to reduce your monthly mortgage payment
  4. Reinstate your Home Equity Line of Credit (or HELOC)
  5. Verify a different appraiser's report
  6. In the case of a IN divorce, when property needs to be divided
  7. To settle an estate in IN by determining the true market value of real estate in question

Need help deciding the value of your home in or near Kokomo, IN?
Contact H&K Appraisals.

We at H&K Appraisals understand the individual needs of a consumer after appraisal services. The appraisal process and reporting formats are familiar to our business clients like banks, attorneys, and CPAs. But as a consumer,we'll be sure you get extra guidance and explanations through the appraisal process to more fully understand what we do and how we report our findings.

Pre-listing Services/For Sale By Owner

It's very hard to be objective about your own home because of your emotional attachment to it. Our professional appraisers at H&K Appraisals are objective. We won't just tell you what you want to hear, we'll tell you what you need to know. In addition to helping you set a realistic price to sell at so your home will attract buyers, a professional appraisal is a very valuable negotiating tool once you have a potential buyer. It gives you something concrete to show the buyer. It's an independent third party's opinion of your home's value, and not just how much your home is worth. Potential buyers know you have an emotional attachment to your house and will be more likely to give credibility to an accomplished appraiser's value opinion than yours.

Appraisals to cancel PMI

An attractive way to cut expenses for homeowners is to get 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 house. In most cases you can apply to a lender to have the PMI removed from your loan. H&K Appraisals is experienced in helping people just like you get rid of unneeded and unwanted PMI insurance.

Challenge Tax Assessment

Your local tax assessor may have your home overvalued if you live in a region that's going down. This means you are probably paying higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the faster you take care of things like this, the better. When contesting your property tax assessment, getting an appraisal from H&K Appraisals is your #1 weapon.

Recently got a freeze your HELOC?

Even if your specific property has not declined in value, your lender just may make the decision to automatically freeze your home equity line of credit (HELOC) if your house is in a declining area. Not only can this be disadvantageous from a cash flow standpoint, but it can be bad for your credit score since it may appear as though that credit line is maxed out. An expert appraisal from H&K Appraisals can help you reinstate your HELOC.

Field and Desktop Appraisal Review Services

Have you just received a copy of your appraisal and you'd like to have a seasoned appraiser double-check it for verity or do you need a second opinion without the added 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're 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 report you may have in your possession. Even though this is usually requested by banks, you may desire to use this service if you suspect mortgage fraud related to your home.