Appraisal services for Kokomo and Howard County homeowners

The top seven reasons why IN homeowners order from KHB Appraisals:

  1. Get a pre-listing appraisal (whether they're selling the home on their own or using an agent)
  2. Challenge Howard county's assessment of your property
  3. To cut their monthly mortgage payment by removing PMI
  4. Reinstate your Home Equity Line of Credit (HELOC)
  5. To review another appraiser's report for verification
  6. If real estate needs to be divided because of a divorce
  7. Determine the true market value of real estate in question to settle an estate in Howard county or IN

Need help deciding the price of your house in or near Kokomo, IN?
Contact KHB Appraisals.

We at KHB Appraisals understand the particular needs of a homeowner after appraisal services. While our typical clients understand the appraisal process and standard reporting formats, you as a consumer will get an extra level of customer 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

It's very hard to be objective about your own home because of your emotional attachment to it. Professional appraisers, like the ones at KHB Appraisals, are objective. We will tell you what you need to know, not just what you want to hear. A professional appraisal is a crucial negotiating tool once you have a likely buyer, in addition to helping you set a realistic selling price so your property will attract interested buyers. It's something tangible to show the buyer. An appraisal is an independent third party's opinion of your home's value -- not just you saying how much you think your house is worth. Potential buyers know that you have an emotional attachment to your house and will be far more likely to give credibility to an experienced appraiser's value judgement than yours.

PMI Removal Appraisals

A preferred way to cut costs for homeowners is getting the PMI removed 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 house. In most cases you can apply to your lender to have the PMI canceled from your loan. We are qualified in helping consumers just like you get rid of unwanted PMI insurance.

Challenge Howard county's assessment of your property

Your local tax assessor may have your home overvalued if you live in a region that is declining. That means you are paying more taxes than you should. The faster you take care of a matter like this, the better, since your property assessment may likely go up again in the next period. Getting a professional appraisal from KHB Appraisals is your number one weapon when challenging your property tax assessment.

Was your HELOC recently frozen?

If your home is in or near a declining area, your lender may 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 be be negative on your credit score since it may appear as though that credit line is maxed out, and also difficult and inconvenient from a cash flow viewpoint. KHB Appraisals can help you reinstate your HELOC.

Need Field and Desktop Appraisal Review Services?

Do you need a veteran appraiser to double-check your appraisal for precision, or do you want a second opinion without the expense and delay of waiting for a whole new appraisal? In a field review we'll go out and check the subject and comps. If you're in a hurry, 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 you may have in your possession. Even though this is typically requested by banks, you may desire to make use of this service if you suspect mortgage fraud related to your house.