Attention homeowners: Real estate appraisal services for in Emporia and Lyon County

Here are the top seven reasons KS homeowners hire Tim Bollinger:

Get a pre-listing appraisal (whether they're selling the home themselves or using a real estate agent)
To challenge a KS property tax assessment
To reduce a monthly mortgage payment by removing PMI
Reinstate their Home Equity Line of Credit (HELOC)
To review a different appraiser's report for verification
If real estate needs to be divided because of a divorce
Determine the true market value of property in question to settle an estate in Lyon county or KS

Do you own a house in or near Emporia? Do you need help deciding the price of your real estate?
Contact Tim Bollinger.

At Tim Bollinger, we understand the unique needs of a customer after 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 Owner

Since you have an emotional attachment to your house, it's often very hard to be objective about 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 valuable as a negotiating tool once you have a potential buyer, in addition to helping you set a realistic selling price so your house will attract buyers. The appraisal is something concrete to show your buyer. It's an independent third party's opinion of your home's price, and not just how much your house is worth. Potential buyers assume that you have an emotional attachment to your home and will be more likely to give credibility to a professional appraiser's value conclusion than yours.

Need to remove PMI?

PMI stands for Private Mortgage Insurance. A popular way to cut costs for homeowners is getting the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. Your monthly payments will go down once your mortgage loan is less than 80% of the value of your property. In most cases you can apply to your lender to have the PMI eliminated from your loan. Tim Bollinger is veterans in helping homeowners just like you dismiss unnecessary PMI insurance.

Challenge a property tax assessment

If you live in a local area that is declining or is not appreciating as much as other homes close by, your local tax assessor may have your house overvalued. That means you are paying more taxes than you should. 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. Getting a professional appraisal from Tim Bollinger is your best weapon when challenging your property tax assessment.

Was your HELOC recently frozen?

Your lender might just decide 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. Not only can this be annoying from a cash flow point of view, but it can be destructive to your credit score since it may appear as though that credit line is maxed out. An appraisal from Tim Bollinger can help you reinstate your HELOC.

Field and Desktop Appraisal Review Services

Do you need a seasoned appraiser to double-check your appraisal for verity, or do you need a second opinion without the charge and delay of waiting for a whole new appraisal? We can go out and check the subject and comparables in question in a field review. If you need it 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.

We can also provide a retrospective review of any appraisal report you may have had in the past. Even though this is usually requested by banks, you may need to use this service if you suspect mortgage fraud related to your property.