Appraisal services for southeast South Dakota homeowners

Here are the top 7 reasons SD homeowners need TLT Appraisal Service:

  1. Find the right listing price (whether you're using a real estate agent or selling the home on your own)
  2. Challenge Minnehaha county's assessment of your propertyworth
  3. Remove PMI to reduce a mortgage payments
  4. Reinstate your Home Equity Line of Credit (or HELOC)
  5. Verify a different appraiser's report
  6. If property needs to be divided because of a divorce
  7. Determine the true market value of property in question to settle an estate in southeast South Dakota 

Own a house in southeast South Dakota and need help determining the price of it?
Contact TLT Appraisal Service.

At TLT Appraisal Service, we understand the individual needs of a consumer after appraisal services. Our typical business clients are used to the appraisal process and the usual reporting formats. As our client, you will receive extra guidance and explanations through the appraisal process to better understand what we do and how we present our conclusions.

For Sale By Owner/Pre-Listing Services

It's very hard to be objective about your house because you most likely have an emotional attachment to it. The professional appraisers at TLT Appraisal Service will tell you what you need to know -- not just what you want to hear. We are objective. In addition to helping you set a realistic selling price so your house will attract interested buyers, a professional appraisal is a crucial negotiating tool once you have a potential buyer. It gives you something tangible 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. Interested buyers assume you have an emotional attachment to your house and will be much more likely to give credibility to a professional appraiser's value report than yours.

Appraisals to remove PMI

A fashionable way to cut costs for homeowners is to get the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Once your mortgage loan amount is below 80% of the value of your property, in most cases you can apply to a lender to have the PMI canceled from your loan, which will make your monthly payments go down. At TLT Appraisal Service, we're seasoned in helping folks just like you do away with unneeded and unwanted PMI insurance.

Challenge property tax assessments

Your local tax assessor may have your home overvalued if you live in an area that's declining. That means you are paying more taxes than you should. Since your property assessment may likely go up again in the next period, the faster you take care of things like this, the better. When challenging your property tax assessment, getting an appraisal report from TLT Appraisal Service is your perfect weapon.

Was your HELOC recently frozen?

Even if your specific property has not declined in value, your lender just might choose to automatically freeze your home equity line of credit (HELOC) if your house is close to a declining area. This can be be detrimental to your credit score since it may appear as though that credit line is maxed out, and also difficult and inconvenient from a cash flow viewpoint. TLT Appraisal Service can help you reinstate your HELOC.

We Provide Field and Desktop Appraisal Review Services

Do you need a seasoned appraiser to double-check your appraisal for accuracy, or do you desire a second opinion without the charge and delay of waiting for a whole new appraisal? An appraiser from TLT Appraisal Service can go out and check the subject and comparables in question in a field review. Or, if you need it ASAP, 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.

Need a retrospective review of an appraisal report? We can help with that too. While usually requested by banks, you may need to employ this service if you suspect mortgage fraud related to your home.