Attention homeowners in Kokomo and Howard County: Need an appraisal?

See the top seven reasons why IN homeowners order from KHB Appraisals:

Pre-listing appraisals (whether you're using a real estate agent or selling the home on your own)
Challenge property tax assessments
Remove PMI to lower their monthly mortgage payment
To reinstate your Home Equity Line of Credit (HELOC)
To review another appraiser's report for verification
In the case of a IN divorce, where real estate property needs to be divided
Settle an estate in IN by determining the true market value of property in question

Do you own a house in or near Kokomo? Do you need help determining the value of your real estate?
Contact KHB Appraisals.

At KHB Appraisals, we understand the particular needs of a consumer after appraisal services. Our business practices and reporting formats are relatively routine to our business clients like lenders, lawyers, and CPAs. But as a general consumer,you will receive extra guidance and explanations through the appraisal process to more fully understand what we do and how we document our findings.

For-Sale-By-Owner (FSBO) / Pre-Listing Services

It's very hard to be objective about your own house because you probably have an emotional attachment to it. A professional appraiser is objective and will tell you what you need to know, not just what you want to hear. A professional appraisal is very important as a negotiating tool once you have a potential buyer, in addition to helping you set a realistic price to sell at so your home will attract buyers. It gives you something concrete to show your buyer. The appraisal is an independent third party's opinion of your house's price, not just how much your home is worth. Interested buyers know that you have an emotional attachment to your home and will be far more likely to give credibility to an experienced appraiser's value judgement than yours.

Need to remove PMI?

An attractive way to save money for homeowners is to get the PMI eliminated 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 is down below 80% of the value of your home. In most cases you can apply to the lender to have the PMI eliminated from your loan. At KHB Appraisals, we're experts in helping homeowners just like you remove unwanted and unneeded PMI insurance.

Challenging a property tax assessment

Your local tax assessor may have your house overvalued if you live in a region that's going down or is not appreciating as much as other homes nearby. This means you are paying higher taxes than you should be paying. 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. An expert appraisal from KHB Appraisals is your #1 weapon when contesting your property tax assessment.

HELOC recently frozen?

Your lender may just make the decision to automatically freeze your home equity line of credit (HELOC) if your house is in a declining area -- even if your specific property has not declined in value. Not only can this be inopportune from a cash flow standpoint, but it can be negative on your credit score since it may appear as though that credit line is maxed out. An efficient appraisal from KHB 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 preciseness, or do you need a second opinion without the added expense and delay of waiting for a whole new appraisal? KHB Appraisals offers field reviews where we'll go out and check the subject and comps. If you're in a rush, we'll provide 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 We can assist you Even though this is usually requested by banks, you may need to use this service if you suspect mortgage fraud related to your house.