Real estate appraisal services for homeowners in the city of Sioux Falls and Minnehaha County

The top 7 reasons why SD homeowners call on Hubner Appraisals:

  1. Pre-listing appraisals (whether you're using an agent or selling the home on your own)
  2. Challenge Minnehaha county's assessment of your property
  3. To cut your monthly mortgage payment by removing PMI
  4. Reinstate their Home Equity Line of Credit (or HELOC)
  5. Review another appraiser's report for verification
  6. In the case of a SD divorce, where property needs to be divided
  7. Determine the true market value of property in question to settle an estate in Minnehaha county or SD

Need help deciding the value of your home in or near Sioux Falls, SD?
Contact Hubner Appraisals.

At Hubner Appraisals, we understand the particular needs of a customer in need of appraisal services. Our business practices and reporting formats are relatively routine to our business clients like banks, lawyers, and CPAs. Being a regular consumer that probably doesn't see an appraisal every day,we will provide you with extra guidance and explanations through the appraisal process to better understand what we do and how we present the results of our analysis.

For Sale By Owner/Pre-Listing Services

It's very hard to be objective about your own home because you probably have an emotional attachment to it. Professional appraisers, like the ones at Hubner Appraisals, 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 a potential buyer, in addition to helping you set a realistic selling price so your home will attract interested buyers. It gives you something tangible to show the buyer. An appraisal is an independent third party's opinion of your home's value -- not just you saying how much your house is worth. Interested buyers assume that you have an emotional attachment to your house and will be more likely to give credibility to a professional appraiser's value conclusion than yours.

Need to cancel PMI?

Getting the PMI (Private Mortgage Insurance) canceled from your mortgage loan is a popular money saver for homeowners. Once your mortgage loan amount is less than 80% of the value of your house, in most cases you can apply to a lender to have the PMI removed from your loan, which will make your monthly payments go down. We are experienced in helping folks just like you rid themselves of unnecessary PMI insurance.

Challenging property tax assessments

If you live in a local area that is going down or not appreciating as much as other homes close by, your local tax assessor may have your house overvalued. This means you are paying higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the faster you take care of a matter like this, the better off you'll be. Getting an appraisal report from Hubner Appraisals is your perfect weapon when challenging your property tax assessment.

Recently got a freeze your HELOC?

Even if your specific property has not declined in value, your lender might just decide to automatically freeze your home equity line of credit (HELOC) if your property is near a declining area. This can this be disadvantageous from a cash flow point of view, and destructive to your credit score since it may appear as though that credit line is maxed out. Hubner Appraisals can help you reinstate your home equity line of credit with an expert appraisal.

Do You Need Field and Desktop Appraisal Review Services?

Would you prefer a second opinion without the added expense and delay of waiting for a whole new appraisal? Or do you want a veteran appraiser to double-check your appraisal for precision? In a field review we'll go out and check the subject and comps. Or, if you need it immediately, we can provide 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 a retrospective review of any appraisal you may have had in the past. While usually requested by banks, you may wish to take advantage of this service if you suspect mortgage fraud related to your house.