Attention homeowners in Holton and Jackson County: Need an appraisal?

Here are the top seven reasons why Kansas homeowners call on Branam's, Inc. Real Estate:

  1. To get a pre-listing appraisal (whether they're selling the home themselves or using an agent)
  2. Challenge a property tax assessment
  3. Remove PMI to lower a monthly mortgage payment
  4. To reinstate their Home Equity Line of Credit (or HELOC)
  5. Verify a different appraiser's report
  6. In the case of a divorce in the state of Kansas, when real estate needs to be divided
  7. Settle an estate in Kansas by determining the true market value of a property
Do you own a house in or near Holton? Do you need help deciding the price of your real estate? Contact Branam's, Inc. Real Estate.

At Branam's, Inc. Real Estate, we understand the special needs of a customer after appraisal services. The appraisal process and reporting formats are familiar to our business clients like banks, attorneys, and CPAs. As our client, we will give you extra guidance and explanations through the appraisal process to better understand what we do and how we present our conclusions.

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

Since you have an emotional attachment to your own home, it's often very hard to be objective about it. The professional appraisers at Branam's, Inc. Real Estate will tell you what you need to know -- not just what you want to hear. We are objective. A professional appraisal is a crucial negotiating tool once you have a potential buyer, in addition to helping you set a realistic price to sell at so your house will attract buyers. The appraisal is something tangible to show your buyer. It's an independent third party's opinion of your house's value, and not just how much you think your house is worth. Interested buyers know you have an emotional attachment to your house and will be more likely to give credibility to an expert appraiser's value judgement than yours.

Challenging a property tax assessment

Let's say your house is not appreciating as much as other properties close by -- your local tax assessor may have your home overvalued. That only means you're paying more taxes than you should. Since your property assessment may likely go up again in the next period, the faster you take care of a matter like this, the better off you'll be. Getting a professional appraisal from Branam's, Inc. Real Estate is your chief weapon when challenging your property tax assessment.

Appraisals to remove PMI

A popular 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 below 80% of the value of your home. In most cases you can apply to the lender to have the PMI canceled from your loan. We are experts in helping homeowners just like you abolish unnecessary PMI insurance.

Was your HELOC recently frozen?

Your lender may choose to automatically freeze your home equity line of credit (HELOC) if your home is close to a declining area -- even if your specific property has not declined in value. This can be troublesome from a cash flow standpoint, and negative on your credit score since it may appear as though that credit line is maxed out. Branam's, Inc. Real Estate can help you reinstate your HELOC.

We Also Provide Field and Desktop Appraisal Review Services

Do you need a seasoned appraiser to double-check your appraisal for accuracy, or do you want a second opinion without the expense and delay of waiting for a whole new appraisal? Branam's, Inc. Real Estate offers field reviews where we go out and check the subject and comparables in question. Or, if you need it in a rush, we can provide desk review and verify as many facts as we can, using online data sources as well as our own files.

We can also provide you with a retrospective review of any appraisal you may have had in the past. Although most appraisal reviews are requested by lenders, homeowners suspecting they've been the victim of mortgage fraud are prudent to invest in a second opinion.