Attention homeowners in Brandon and Minnehaha County: Get an Appraisal today!

Here are the top reasons SD homeowners call on Toates Appraisals:

  1. Pre-listing appraisals (whether you're using a real estate agent or selling the home on your own)
  2. To challenge a SD property tax assessment
  3. To reduce a mortgage payment by removing PMI
  4. Reinstate their Home Equity Line of Credit (or HELOC)
  5. Review a different appraiser's report for verification
  6. If real estate property needs to be divided because of a divorce
  7. To settle an estate in Minnehaha county or SD by determining the true market value of real estate in question

Need help deciding the value of your home in or near Brandon, SD?
Contact Toates Appraisals.

We at Toates Appraisals understand the particular needs of a homeowner seeking appraisal services. The appraisal process and reporting formats are familiar to our business clients like lenders, lawyers, and accountants. As our non-traditionalclient, you can expect extra guidance and explanations through the appraisal process to more fully understand what we do and how we document our conclusions.

For-Sale-By-Owner (FSBO) / Pre-Listing Services

It's very hard to be objective about your house because you probably have an emotional attachment to it. Professional appraisers, like the ones at Toates Appraisals, will be objective. We 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 many interested buyers, a professional appraisal is a very valuable negotiating tool once you have a likely buyer. It's something concrete to show your buyer. An appraisal is an independent third party's opinion of your house's value -- not just how much you think your home is worth. Potential buyers assume you have an emotional attachment to your home and will be more likely to give credibility to an experienced appraiser's value judgement than yours.

Appraisals to cancel PMI

PMI stands for Private Mortgage Insurance. A fashionable way to save money for homeowners is getting the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan amount is less than 80% of the value of your property, 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're qualified in helping consumers just like you rid themselves of unwanted and unneeded PMI insurance.

Challenging property tax assessments

If you live in a region that is declining or is not appreciating as much as other houses close to yours, your local tax assessor may have your home overvalued. This only means you are paying higher taxes than you should be paying. The faster 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 appraisal report from Toates Appraisals is your #1 weapon.

HELOC recently frozen?

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

We Offer Field and Desktop Appraisal Review Services

Have you just received a copy of your appraisal and you would wish to have a veteran appraiser double-check it for preciseness or do you want a second opinion without the added cost and delay of waiting for a whole new appraisal? An appraiser from Toates Appraisals 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 We can assist you While usually requested by banks, you may desire to employ this service if you suspect mortgage fraud related to your home.