Appraisal services for Garden City and Finney County homeowners

See the top seven reasons KS homeowners hire Oswalt Appraisals:

  1. Get a pre-listing appraisal (whether you're using an agent or selling the home on your own)
  2. To challenge a KS property tax assessment
  3. Remove PMI to reduce their mortgage payment
  4. Reinstate their Home Equity Line of Credit (or HELOC)
  5. Verify a different appraiser's report
  6. If real estate needs to be divided because of a divorce
  7. To determine the true market value of real estate in question to settle an estate in Finney County or the state of KS

Need help deciding the price of your house in or near Garden City, KS?
Contact Oswalt Appraisals.

We at Oswalt Appraisals understand the individual needs of a customer after appraisal services. The appraisal process and reporting formats are relatively routine to our business clients like banks, attorneys, and CPAs. As our client, we will provide you with extra guidance and explanations through the appraisal process to understand what we do and how we report our findings.

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. 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 a very valuable negotiating tool once you have an attainable buyer, in addition to helping you set a realistic selling price so your house will attract interested buyers. It's something concrete to show the buyer. It's an independent third party's opinion of your property's value, and not just you saying how much your house is worth. Potential buyers assume you have an emotional attachment to your house and will be far more likely to give credibility to an accomplished appraiser's value judgement than yours.

Need to cancel PMI?

A preferred way to save money 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 eliminated from your loan, which will make your monthly payments go down. At Oswalt Appraisals, we're experienced in helping people just like you get rid of undesirable PMI insurance.

Challenging a property tax assessment

Your local tax assessor may have your home overvalued if you live in an area that is declining or not appreciating as much as other homes nearby. That means you're paying 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 off you'll be. A professional appraisal from Oswalt Appraisals is your perfect weapon when challenging your property tax assessment.

Recently got a freeze your HELOC?

If your home is close to a declining area, your lender may decide to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can this be disadvantageous 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. Oswalt Appraisals can help you reinstate your HELOC.

Need Field and Desktop Appraisal Review Services?

Would you wish a second opinion without the charge and delay of waiting for a whole new appraisal? Or do you need an expert to double-check your appraisal for verity? In a field review we'll go out and check the subject and comps in question. 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.

Do you need a retrospective review of an appraisal report? Oswalt Appraisals can We can assist you. Even though this is typically requested by banks, you may wish to exploit this service if you suspect mortgage fraud related to your home.