Attention homeowners in Bay St Louis and Hancock County: Need an appraisal?

Here are the top 7 reasons MS homeowners call on Shane Kowalski:

  1. To get a pre-listing appraisal (whether they're selling the home on their own or using an agent)
  2. To challenge a MS property tax assessment
  3. To reduce their mortgage payments by removing PMI
  4. To reinstate their Home Equity Line of Credit (HELOC)
  5. Review another appraiser's report for verification
  6. In the case of a MS divorce, where real estate needs to be divided
  7. To settle an estate in Hancock county or MS by determining the true market value of property in question

Do you own a home in or near Bay St Louis? Do you need help deciding the price of your real estate?
Contact Shane Kowalski.

We at Shane Kowalski understand the individual needs of a homeowner in need of appraisal services. While our typical 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.

Pre-listing Services/For Sale By Owner

Since you have an emotional attachment to your own house, it's often very hard to be objective about it. Professional appraisers, like the ones at Shane Kowalski, are objective. We will tell you what you need to know, not just what you want to hear. A professional appraisal is a very valuable negotiating tool once you have an interested buyer, in addition to helping you set a realistic price to sell at so your home will attract interested buyers. It's something tangible to show the buyer. The appraisal is an independent third party's opinion of your home's price, not just how much you think your home is worth. Interested 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 estimation than yours.

PMI Removal Appraisals

Getting the PMI (Private Mortgage Insurance) eliminated from your mortgage loan is a preferred money saver for homeowners. Once your mortgage loan is less than 80% of the value of your house, 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 customers just like you do away with unneeded PMI insurance.

Challenge property tax assessments

Lets say you live in an area that's going down -- your local tax assessor may have your house overvalued. This only means you are going to pay higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the sooner you take care of things like this, the better. An appraisal from Shane Kowalski is your strongest weapon when contesting your property tax assessment.

Recently got a freeze your HELOC?

If your home is near a declining area, your lender may 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 harmful to your credit score since it may appear as though that credit line is maxed out, and also inconvenient from a cash flow standpoint. Shane Kowalski can provide you with a professional appraisal to help you reinstate your home equity line of credit.

We Offer Field and Desktop Appraisal Review Services

Would you prefer a second opinion without the expense and delay of waiting for a whole new appraisal? Or do you want a seasoned appraiser to double-check your appraisal for efficiency? We can go out and check the subject and comparables in a field review. Or, if you need it ASAP, we can provide 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 We can assist you Even though this is typically requested by banks, you may desire to make use of this service if you suspect mortgage fraud related to your home.