Need an appraisal in Clay Center or Clay County?

The top seven reasons KS homeowners hire Haberer Appraisal Service:

Pre-listing appraisals (whether you're using a real estate agent or selling the home on your own)
Challenge a property tax assessment
Remove PMI to reduce your monthly mortgage payment
To reinstate their Home Equity Line of Credit (or HELOC)
Verify a different appraiser's report
If property needs to be divided because of a divorce
To determine the true market value of property in question to settle an estate in KS

Do you own a home in or near Clay Center? Do you need help determining the value of your real estate?
Contact Haberer Appraisal Service.

We at Haberer Appraisal Service understand the individual needs of a consumer looking for 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.

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

Since you have an emotional attachment to your own home, it's often very hard to be objective about it. The professional appraisers at Haberer Appraisal Service will tell you what you need to know -- not just what you want to hear. We are objective. A professional appraisal is very crucial as a negotiating tool once you have an interested buyer, in addition to helping you set a realistic price to sell at so your house will attract interested buyers. It's something tangible to show your buyer. The appraisal is an independent third party's opinion of your property's price, not just you saying how much you think your house is worth. Potential buyers know that you have an emotional attachment to your home and will be more likely to give credibility to a professional appraiser's value assessment than yours.

Need to remove PMI?

PMI stands for Private Mortgage Insurance. A fashionable way to save money for homeowners is to get the PMI removed from their mortgage loan, thus saving them money on their monthly payments. Your monthly payments will go down once your mortgage loan amount is below 80% of the value of your property. In most cases you can apply to the lender to have the PMI canceled from your loan. Haberer Appraisal Service is experienced in helping folks just like you do away with undesirable PMI insurance.

Challenge Tax Assessment

Your local tax assessor may have your house overvalued if you live in a region that's declining or not appreciating as much as other houses close by. That only means you're paying more taxes than you should. Since your property assessment may likely go up again in the next period, the quicker you take care of a matter like this, the better. A professional appraisal from Haberer Appraisal Service is your strongest weapon when challenging your property tax assessment.

HELOC recently frozen?

Your lender might choose to automatically freeze your home equity line of credit (HELOC) if your house is in a declining area -- even if your specific property has not declined in value. This can be be unfavorable to your credit score since it may appear as though that credit line is maxed out, and also unsuitable from a cash flow standpoint. Haberer Appraisal Service can help you reinstate your HELOC.

Field and Desktop Appraisal Review Services

Would you wish a second opinion without the added expense and delay of waiting for a whole new appraisal? Or do you want a seasoned appraiser to double-check your appraisal for accuracy? We can go out and check the subject and comparables in a field review. If you're 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 you with a a retrospective review of any appraisal you may have had in the past. Even though this is typically requested by banks, you may want to use this service if you suspect mortgage fraud related to your home.