Appraisal services for Garden City and Finney County homeowners

Here are the top reasons KS homeowners use Oswalt Appraisals:

To get a pre-listing appraisal (whether they're selling the home on their own or using an agent)
Challenge Finney county's assessment of your property
To reduce their monthly mortgage payment by removing PMI
Reinstate their Home Equity Line of Credit (or HELOC)
Verify another appraiser's report
In the case of a KS divorce, where property needs to be divided
To determine the true market value of real estate in question to settle an estate

Own a house in or near Garden City, KS and need help deciding the price of it?
Contact Oswalt Appraisals.

At Oswalt Appraisals, we understand the particular needs of a homeowner looking for appraisal services. While our usual 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.

For Sale By Owner/Pre-Listing Services

It's very hard to be objective about your own house because of your emotional attachment to it. Professional appraisers, like the ones at Oswalt Appraisals, will be objective. We'll 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 property will attract buyers, a professional appraisal is a very important negotiating tool once you have an interested buyer. It's something concrete to show your buyer. The appraisal is an independent third party's opinion of your property's price, not just how much your house is worth. Interested buyers assume that you have an emotional attachment to your home and will be more likely to give credibility to a qualified appraiser's value assessment than yours.

Need to cancel PMI?

An attractive money saver for homeowners is to get the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Your monthly payments will go down 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 canceled from your loan. At Oswalt Appraisals, we're seasoned in helping folks just like you rid themselves of unnecessary PMI insurance.

Challenging property tax assessments

Your local tax assessor may have your house overvalued if your house is not appreciating as much as other properties close to yours. This means you are paying higher taxes than you should be paying. The earlier you take care of a matter like this, the better, since your property assessment may likely go up again in the next period. Getting an expert appraisal from Oswalt Appraisals is your strongest 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 decide to automatically freeze your home equity line of credit (HELOC) if your property is in a declining area. Not only can this be disadvantageous from a cash flow point of view, but it can be detrimental to your credit score since it may appear as though that credit line is maxed out. Oswalt Appraisals can provide you with an expert appraisal to help you reinstate your home equity line of credit.

Do You Need Field and Desktop Appraisal Review Services?

Have you just been handed a copy of your appraisal and you'd like to have a professional double-check it for precision or do you need a second opinion without the added cost and delay of waiting for a whole new appraisal? We can go out and check the subject and comps in question in a field review. If you need it ASAP, 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.

We can also provide you with a a retrospective review of any appraisal report you may have in your possession. Even though this is usually requested by banks, you may need to employ this service if you suspect mortgage fraud related to your property.