Appraisal services for Derby and Sedgwick County homeowners

The top seven reasons why KS homeowners need Mike Showalter-Appraiser:

  1. Find the right listing price (whether they're selling the home themselves or using an agent)
  2. Challenge property tax assessments
  3. Remove PMI to reduce a mortgage payments
  4. To 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 property in question to settle an estate

Own a home in or near Derby, KS and need help determining the value of it?
Contact Mike Showalter-Appraiser.

At Mike Showalter-Appraiser, we understand the unique needs of a consumer seeking appraisal services. Our business practices and reporting formats are familiar to our business clients like lenders, lawyers, and accountants. But as a consumer,we'll be sure you get extra guidance and explanations through the appraisal process to more fully understand what we do and how we present our conclusions.

Pre-listing Services/For Sale By Owner

Since you have an emotional attachment to your own house, it's often very hard to be objective about it. Professional appraisers, like the ones at Mike Showalter-Appraiser, will be objective. We'll tell you what you need to know, not just what you want to hear. A professional appraisal is a very important negotiating tool once you have an attainable buyer, in addition to helping you set a realistic selling price so your property will attract many interested buyers. It's something concrete to show your buyer. The appraisal is an independent third party's opinion of your home's price, not just how much your home is worth. Potential buyers assume you have an emotional attachment to your house and will be far more likely to give credibility to a seasoned appraiser's value judgement than yours.

Need to remove PMI?

An attractive way to cut costs for homeowners is to get the PMI removed from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". 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, which will make your monthly payments go down. Mike Showalter-Appraiser is veterans in helping homeowners just like you delete unwanted and unneeded PMI insurance.

Challenging a property tax assessment

Your local tax assessor may have your house overvalued if your home is not appreciating as much as other homes nearby. That only 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 things like this, the better. When contesting your property tax assessment, getting a professional appraisal from Mike Showalter-Appraiser is your chief weapon.

HELOC recently frozen?

Even if your specific property has not declined in value, your lender just may make the decision to automatically freeze your home equity line of credit (HELOC) if your home is near a declining area. This can this be unsuitable from a cash flow point of view, and negative on your credit score since it may appear as though that credit line is maxed out. Mike Showalter-Appraiser can help you reinstate your home equity line of credit with efficient appraisal.

We Also Provide Field and Desktop Appraisal Review Services

Have you just gotten a copy of your appraisal and you would like to have a seasoned expert double-check it for precision or do you want a second opinion without the added expense and delay of waiting for a whole new appraisal? Mike Showalter-Appraiser offers field reviews where we go out and check the subject and comps. Or, if you need it immediately, we can 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 report? We can We can assist you Even though this is typically requested by banks, you may need to exploit this service if you suspect mortgage fraud related to your home.