Appraisal services for Conrad and Pondera County homeowners

The top 7 reasons Montana homeowners use KV Appraisal Service:

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


	Do you own a house in or near Conrad? Do you need help determining the price of your real estate? Contact KV Appraisal Service.

We at KV Appraisal Service understand the particular needs of a customer looking for appraisal services. While our usual clients understand the appraisal process and standard reporting formats, you as a consumer will get an extra level of customer 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

It's very hard to be objective about your house because of your emotional attachment to it. Our professional appraisers at KV Appraisal Service 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 home will attract interested buyers, a professional appraisal is a very important negotiating tool once you have an attainable buyer. It gives you something tangible to show your buyer. The appraisal is an independent third party's opinion of your house's market value, not just how much your house is worth. Interested buyers know you have an emotional attachment to your home and will be much more likely to give credibility to a professional appraiser's value conclusion than yours.

Challenging property tax assessments

Your local tax assessor may have your home overvalued if you live in a region that's going down or is not appreciating as much as other properties close to yours. That means you are most likely paying more taxes than you should. Since your property assessment may likely go up again in the next period, the faster you take care of things like this, the better. When contesting your property tax assessment, getting an expert appraisal from KV Appraisal Service is your perfect weapon.

Appraisals to cancel PMI

A fashionable way to cut costs for homeowners is getting the PMI removed from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Once your mortgage loan is less than 80% of the value of your house, in most cases you can apply to your lender to have the PMI removed from your loan, which will make your monthly payments go down. KV Appraisal Service is qualified in helping customers just like you do away with undesirable PMI insurance.

Was your HELOC recently frozen?

Your lender just may choose to automatically freeze your home equity line of credit (HELOC) if your property is in or near a declining area -- even if your specific property has not declined in value. This can be inopportune from a cash flow viewpoint, and harmful to your credit score since it may appear as though that credit line is maxed out. KV Appraisal Service can help you reinstate your HELOC.

We 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 expense 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 hurry, 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.

We can also provide you with a retrospective review of any appraisal report you may have had in the past. Although most appraisal reviews are requested by lenders for quality control, homeowners suspecting a prior appraisal wasn't above board are prudent to invest in a second opinion.