Attention homeowners in Albert Lea and Freeborn County: Get an Appraisal today!

Check out the top 7 reasons why MN homeowners need Denise Knutson Appraisals:

  1. Get a pre-listing appraisal (whether they're selling the home themselves or using a real estate agent)
  2. Challenge property tax assessments
  3. To lower a mortgage payment by removing PMI
  4. To reinstate their Home Equity Line of Credit (or HELOC)
  5. Review a different appraiser's report for verification
  6. In the case of a MN divorce, where property needs to be divided
  7. Settle an estate in MN by determining the true market value of property in question

Own a house in or near Albert Lea, MN and need help deciding the value of it?
Contact Denise Knutson Appraisals.

We at Denise Knutson Appraisals understand the special needs of a consumer in need of appraisal services. The appraisal process and reporting formats are familiar to our business clients like banks, lawyers, and CPAs. As our valued client, we will provide you with extra guidance and explanations through the appraisal process to understand what we do and how we document 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. A professional appraiser is objective and will tell you what you need to know, not just what you want to hear. In addition to helping you set a realistic selling price so your house will attract buyers, a professional appraisal is a very valuable negotiating tool once you have an attainable buyer. The appraisal is 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 home and will be much more likely to give credibility to a seasoned appraiser's value conclusion than yours.

Need to remove PMI?

Getting the PMI (Private Mortgage Insurance) removed from your mortgage loan is an attractive way to cut expenses for homeowners. Your monthly payments will go down once your mortgage loan amount is down below 80% of the value of your house. In most cases you can apply to a lender to have the PMI canceled from your loan. Denise Knutson Appraisals is seasoned in helping homeowners just like you do away with unneeded PMI insurance.

Challenging a property tax assessment

Your local tax assessor may have your house overvalued if you live in a region that is going down or is not appreciating as much as other properties close to yours. This means you are paying higher taxes than you should be paying. The sooner you take care of a matter like this, the better, since your property assessment may likely go up again in the next period. When contesting your property tax assessment, getting an appraisal from Denise Knutson Appraisals is your best weapon.

Was your HELOC recently frozen?

Even if your specific property has not declined in value, your lender just may decide to automatically freeze your home equity line of credit (HELOC) if your home is near a declining area. This can be be bad for your credit score since it may appear as though that credit line is maxed out, and also disadvantageous from a cash flow viewpoint. An appraisal from Denise Knutson Appraisals can help you reinstate your HELOC.

Field and Desktop Appraisal Review Services

Have you just received a copy of your appraisal and you'd prefer to have an expert double-check it for verity or do you desire a second opinion without the expense and delay of waiting for a whole new appraisal? Denise Knutson Appraisals offers field reviews where we go out and check the subject and comparables. If you need it 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 report? Denise Knutson Appraisals can help with that too. Even though this is typically requested by banks, you may desire to exercise this service if you suspect mortgage fraud related to your house.