Need an appraisal in Coleraine or Itasca County?

See the top seven reasons why MN homeowners need K&C Appraisals:

To get a pre-listing appraisal (whether you're using an agent or selling the home on your own)
To challenge a MN property tax assessment
To reduce your mortgage payment by removing PMI
To reinstate your Home Equity Line of Credit (HELOC)
Verify a different appraiser's report
If real estate property needs to be divided because of a divorce
Settle an estate in MN by determining the true market value of real estate in question

Do you own a home in or near Coleraine? Do you need help determining the price of your real estate?
Contact K&C Appraisals.

We at K&C Appraisals understand the particular needs of a homeowner looking for appraisal services. While our usual business clients understand the appraisal process and standard reporting formats, you as a consumer will get extra 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 (FSBO)

It's very hard to be objective about your own house because you most likely have an emotional attachment to it. The professional appraisers at K&C Appraisals will tell you what you need to know -- not just what you want to hear. We are objective. In addition to helping you set a realistic selling price so your house will attract many interested buyers, a professional appraisal is a crucial negotiating tool once you have an interested buyer. It's something concrete to show the buyer. The appraisal is an independent third party's opinion of your house's price, not just you saying how much your home is worth. Interested buyers assume that you have an emotional attachment to your house and will be far more likely to give credibility to an expert appraiser's value assessment than yours.

Need to cancel PMI?

Getting the PMI (Private Mortgage Insurance) canceled from your mortgage loan is a fashionable way to save money for homeowners. Your monthly payments will go down once your mortgage loan is down below 80% of the value of your property. In most cases you can apply to a lender to have the PMI canceled from your loan. K&C Appraisals is experts in helping homeowners just like you get rid of unwanted PMI insurance.

Challenge a property tax assessment

Your local tax assessor may have your home overvalued if you live in a region that's declining or is not appreciating as much as other properties close to yours. This means you are paying higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the faster you take care of things like this, the better off you'll be. Getting an appraisal report from K&C Appraisals is your perfect weapon when contesting your property tax assessment.

HELOC recently frozen?

Even if your specific property has not declined in value, your lender just might make the decision to automatically freeze your home equity line of credit (HELOC) if your property is near a declining area. This can be be destructive to your credit score since it may appear as though that credit line is maxed out, and also annoying from a cash flow angle. K&C Appraisals can help you reinstate your home equity line of credit with efficient appraisal.

Do You Need Field and Desktop Appraisal Review Services?

Have you just been handed a copy of your appraisal and you'd like to have a seasoned professional double-check it for accuracy or do you need a second opinion without the expense and delay of waiting for a whole new appraisal? We can go out and check the subject and comparables in a field review. Or, if you're 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.

Do you need a retrospective review of an appraisal report? K&C Appraisals can We can assist you. While typically requested by banks, you may desire to employ this service if you suspect mortgage fraud related to your property.