Need an appraisal in Baudette or Lake Of The Woods County?

Here are the top seven reasons why MN homeowners call on LaValla Appraisal:

  1. Get a pre-listing appraisal (whether you're using a real estate agent or selling the home on your own)
  2. To challenge a MN property tax assessment
  3. To reduce their mortgage payments by removing PMI
  4. Reinstate their Home Equity Line of Credit (HELOC)
  5. To review another appraiser's report for verification
  6. If property needs to be divided because of a divorce
  7. To settle an estate in Lake Of The Woods county or MN by determining the true market value of real estate in question

Own a home in or near Baudette, MN and need help determining the value of it?
Contact LaValla Appraisal.

At LaValla Appraisal, we understand the unique needs of a customer looking for appraisal services. While our typical 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)

Since you have an emotional attachment to your own house, it's often very hard to be objective about it. The professional appraisers at LaValla Appraisal 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 home will attract buyers, a professional appraisal is very valuable as a negotiating tool once you have a potential buyer. The appraisal is something tangible to show your buyer. The appraisal is an independent third party's opinion of your property's value, not just you saying how much your home is worth. Potential buyers know that you have an emotional attachment to your home and will be much more likely to give credibility to an experienced appraiser's value assessment than yours.

Need to remove PMI?

A preferred money saver for homeowners is getting the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Once your mortgage loan amount is below 80% of the value of your home, in most cases you can apply to the lender to have the PMI removed from your loan, which will make your monthly payments go down. We are seasoned in helping consumers just like you do away with unnecessary PMI insurance.

Challenge a property tax assessment

Your local tax assessor may have your home overvalued if you live in a region that is declining or not appreciating as much as other properties close by. That only means you're most likely paying more taxes than you should. The faster you take care of things like this, the better, since your property assessment may likely go up again in the next period. An appraisal report from LaValla Appraisal is your chief weapon when challenging your property tax assessment.

Was your HELOC recently frozen?

If your home is in a declining area, your lender may just make the decision to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can be be destructive to your credit score since it may appear as though that credit line is maxed out, and also difficult and inconvenient from a cash flow point of view. LaValla Appraisal can provide you with a professional appraisal to help you reinstate your HELOC.

We Also Offer Field and Desktop Appraisal Review Services

Have you just accepted a copy of your appraisal and you would wish to have a veteran appraiser double-check it for precision or do you need a second opinion without the expense and delay of waiting for a whole new appraisal? An appraiser from LaValla Appraisal can go out and check the subject and comps 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.

Need a retrospective review of an appraisal report? We can help you with that Even though this is usually requested by banks, you may want to exercise this service if you suspect mortgage fraud related to your property.