Appraisal services for Mandan and Morton County homeowners

The top seven reasons why ND homeowners hire Kerzman Appraisal Service:

Find the right listing price (whether they're selling the home on their own or using a real estate agent)
To challenge a ND property tax assessment
Remove PMI to cut their mortgage payments
To reinstate your Home Equity Line of Credit (HELOC)
Review another appraiser's report for verification
If real estate property needs to be divided because of a divorce
To settle an estate in Morton county or ND by determining the true market value of real estate in question

Need help determining the value of your home in or near Mandan, ND?
Contact Kerzman Appraisal Service.

At Kerzman Appraisal Service, we understand the individual needs of a consumer after appraisal services. While our typical business 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 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 property will attract interested buyers, a professional appraisal is a very valuable negotiating tool once you have an attainable buyer. It gives you something concrete to show the buyer. An appraisal is an independent third party's opinion of your property's value -- not just you saying how much your home is worth. Interested buyers know you have an emotional attachment to your house and will be far more likely to give credibility to a qualified appraiser's value opinion than yours.

Need to cancel PMI?

Getting the PMI (Private Mortgage Insurance) canceled from your mortgage loan is a fashionable way to cut expenses for homeowners. Your monthly payments will go down once your mortgage loan amount 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 are seasoned in helping people just like you rid yourselves of unneeded and unwanted PMI insurance.

Challenging property tax assessments

Your local tax assessor may have your house overvalued if you live in a local area that's declining. That means you are probably paying more taxes than you should. The sooner you take care of things like this, the better off you'll be, since your property assessment may likely go up again in the next period. When contesting your property tax assessment, getting an expert appraisal from Kerzman Appraisal Service is your #1 weapon.

Recently got a freeze your HELOC?

Even if your specific property has not declined in value, your lender may just make the decision to automatically freeze your home equity line of credit (HELOC) if your house is in a declining area. This can be be damaging to your credit score since it may appear as though that credit line is maxed out, and also difficult from a cash flow viewpoint. A professional appraisal from Kerzman Appraisal Service can help you reinstate your HELOC.

We Also Offer Field and Desktop Appraisal Review Services

Have you just received a copy of your appraisal and you would like to have a professional double-check it for efficiency or do you need a second opinion without the expense and delay of waiting for a whole new appraisal? Kerzman Appraisal Service offers field reviews where we go out and check the subject and comps. 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? Kerzman Appraisal Service can help with that too. Even though this is typically requested by banks, you may wish to make use of this service if you suspect mortgage fraud related to your property.