Appraisal services for Sioux Falls and Lincoln County homeowners

Here are the top seven reasons why SD homeowners need Appraisals By Janine:

To get a pre-listing appraisal (whether you're using an agent or selling the home on your own)
Challenge a property tax assessment
Remove PMI to reduce their mortgage payments
Reinstate your Home Equity Line of Credit (HELOC)
To review a different appraiser's report for verification
In the case of a SD divorce, when real estate needs to be divided
Settle an estate in SD by determining the true market value of real estate in question

Need help determining the value of your house in or near Sioux Falls, SD?
Contact Appraisals By Janine.

At Appraisals By Janine, we understand the special needs of a homeowner looking for appraisal services. Our regular business clients understand the appraisal process and the standard documents we provide. As our client, we will give you extra guidance and explanations through the appraisal process to more fully understand what we do and how we report our findings.

For Sale By Owner/Pre-Listing Services

Since you have an emotional attachment to your own home, it's often very hard to be objective about it. Our professional appraisers at Appraisals By Janine are objective. We won't just tell you what you want to hear, we will tell you what you need to know. A professional appraisal is very valuable as a negotiating tool once you have an attainable buyer, in addition to helping you set a realistic price to sell at so your house will attract many interested buyers. It's something tangible to show your buyer. It's an independent third party's opinion of your property's price, and not just you saying how much you think your home is worth. Interested buyers assume 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.

PMI Removal Appraisals

Getting the PMI (Private Mortgage Insurance) canceled from your mortgage loan is a preferred way to cut expenses for homeowners. Your monthly payments will go down once your mortgage loan amount is below 80% of the value of your property. In most cases you can apply to your lender to have the PMI removed from your loan. We are qualified in helping consumers just like you do away with undesirable PMI insurance.

Challenging property tax assessments

If you live in an area that is declining or not appreciating as much as other houses close to yours, your local tax assessor may have your house overvalued. That means you're probably paying more taxes than you should. The faster you take care of a matter like this, the better off you'll be, since your property assessment may likely go up again in the next period. A professional appraisal from Appraisals By Janine is your perfect weapon when challenging your property tax assessment.

Recently got a freeze your HELOC?

If your home is in a declining area, your lender might just make the decision to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can this be difficult and inconvenient from a cash flow angle, and bad for your credit score since it may appear as though that credit line is maxed out. Appraisals By Janine can help you reinstate your home equity line of credit with a professional appraisal.

We Also Provide Field and Desktop Appraisal Review Services

Would you wish a second opinion without the added expense and delay of waiting for a whole new appraisal? Or do you desire a veteran appraiser to double-check your appraisal for preciseness? We can go out and check the subject and comparables in question in a field review. If you're in a rush, 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.

Need a retrospective review of an appraisal? We can help you with that Even though this is usually requested by banks, you may need to take advantage of this service if you suspect mortgage fraud related to your property.