Attention homeowners in Rapid City and Pennington County: Need an appraisal?

Check out the top 7 reasons why South Dakota homeowners order from Mackey Appraisals:

Pre-listing appraisals (whether they're selling the home on their own or using a real estate agent)
Challenge property tax assessments
To lower a mortgage payment by removing PMI
To reinstate your Home Equity Line of Credit (or HELOC)
Review another appraiser's report for verification
If real estate property needs to be divided because of a divorce
Determine the true market value of the real estate in question to settle an estate in Pennington county or South Dakota


	Do you own a home in or near Rapid City? Do you need help determining the price of your real estate? Contact Mackey Appraisals.

At Mackey Appraisals, we understand the individual needs of a consumer in need of appraisal services. Our regular business clients are used to the appraisal process and the usual documents we provide. But as a consumer, you'll receive extra guidance and explanations through the appraisal process to understand what we do and how we report our findings.

Pre-listing Services/For Sale by Owner

It's very hard to be objective about your own house because you most likely have an emotional attachment to it. A professional appraiser is objective and will tell you what you need to know, not just what you want to hear. A professional appraisal is very valuable as a negotiating tool once you have a potential buyer, in addition to helping you set a realistic price to sell at so your property will attract buyers. It gives you something concrete to show the buyer. An appraisal is an independent third party's opinion of your home's value -- not just you saying how much you think your house is worth. Potential buyers assume that you have an emotional attachment to your house and will be far more likely to give credibility to a professional appraiser's value assessment than yours.

Challenging a property tax assessment

Your local tax assessor may have your home overvalued if you live in an area that is declining. That means you're going to pay more taxes than you should. Since your property assessment may likely go up again in the next period, the quicker you take care of a matter like this, the better. When contesting your property tax assessment, getting an expert appraisal from Mackey Appraisals is your perfect weapon.

Need to remove PMI?

Getting the PMI (Private Mortgage Insurance) canceled from your mortgage loan is a fashionable way to cut expenses for homeowners. Once your mortgage loan amount is below 80% of the value of your property, in most cases you can apply to the lender to have the PMI eliminated from your loan, which will make your monthly payments go down. We're veterans in helping folks just like you delete unnecessary PMI insurance.

Recently got a freeze to your HELOC?

If your house is close to a declining area, your lender might just choose to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can be troublesome from a cash flow point of view, and negative on your credit score since it may appear as though that credit line is maxed out. Mackey Appraisals can help you reinstate your home equity line of credit with a professional appraisal.

Need Field and Desktop Appraisal Review Services?

Do you need a seasoned expert to double-check your appraisal for accuracy, or do you want a second opinion without the cost and delay of waiting for a whole new appraisal? An appraiser from Mackey Appraisals can go out and check the subject and comps in a field review. Or, if you need it immediately, we can 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? We can assist you. Although most appraisal reviews are requested by lenders, homeowners suspecting they've been the victim of mortgage fraud are prudent to get a second opinion.