Attention homeowners in Hastings and Dakota County: Get an Appraisal today!

Here are the top seven reasons Minnesota homeowners hire Most Appraisals & Assoc:

Pre-listing appraisals (whether you're using an agent or selling the home on your own)
Challenge Dakota County's assessment of your property value
Remove PMI to lower their mortgage payment
Reinstate your Home Equity Line of Credit (or HELOC)
Review another appraiser's report for verification
If property needs to be divided because of a divorce
To determine the true market value of real estate to settle an estate in Minnesota


	Need help determining the value of your house in or near Hastings, Minnesota? Contact Most Appraisals & Assoc.

We at Most Appraisals & Assoc understand the unique needs of a customer looking for appraisal services. Our regular business clients understand the appraisal process and the customary "products" we deliver to them. Being a consumer that most likely doesn't look at appraisals every day, you will receive extra guidance and explanations through the appraisal process to more clearly understand what we do and how we report our conclusions.

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

Since you have an emotional attachment to your own house, it's often very hard to be objective about it. Our professional appraisers at Most Appraisals & Assoc are objective. We won't just tell you what you want to hear, we'll tell you what you need to know. In addition to helping you set a realistic selling price so your house will attract interested buyers, a professional appraisal is very crucial as a negotiating tool once you have an attainable buyer. The appraisal is something concrete to show the buyer. An appraisal is an independent third party's opinion of your home's value -- not just you saying how much your house is worth. Potential buyers know you have an emotional attachment to your home and will be far more likely to give credibility to a professional appraiser's value judgement than yours.

Challenge a property tax assessment

Your local tax assessor may have your house overvalued if you live in a region that's going down. That only means you are most likely paying more taxes than you should. The sooner 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. Getting an expert appraisal from Most Appraisals & Assoc is your strongest weapon when contesting your property tax assessment.

Appraisals to cancel PMI

PMI stands for Private Mortgage Insurance. A fashionable way to save money 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 below 80% of the value of your house. In most cases you can apply to the lender to have the PMI eliminated from your loan. We're seasoned in helping people just like you delete unwanted and unneeded PMI insurance.

HELOC recently frozen?

Your lender might choose to automatically freeze your home equity line of credit (HELOC) if your property is near a declining area -- even if your specific property has not declined in value. This can be detrimental to your credit score since it may appear as though that credit line is maxed out, and also inconvenient from a cash flow angle. Most Appraisals & Assoc can help you reinstate your HELOC.

We Also Provide Field and Desktop Appraisal Review Services

Do you need a professional to double-check your appraisal for preciseness, or do you want a second opinion without the cost 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're in a rush, we'll provide you with a desk review and verify as many facts as we can, using online data sources as well as our own files.

Do you need a retrospective review of an appraisal? We can assist you. Although most review work is requested by lenders, homeowners suspecting they've been the victim of mortgage fraud are wise to invest in a second opinion.