Appraisal services for Circle Pines and Anoka County homeowners

See the top seven reasons MN homeowners need Benjamin Hosfield:

  1. Pre-listing appraisals (whether they're selling the home themselves or using a real estate agent)
  2. Challenge property tax assessments
  3. Remove PMI to reduce your mortgage payment
  4. To reinstate their Home Equity Line of Credit (or HELOC)
  5. Verify a different appraiser's report
  6. In the case of a MN divorce, where real estate property needs to be divided
  7. Determine the true market value of property in question to settle an estate

Own a house in or near Circle Pines, MN and need help determining the value of it?
Contact Benjamin Hosfield.

At Benjamin Hosfield, we understand the individual needs of a customer in need of appraisal services. While our usual business clients understand the appraisal process and standard reporting formats, you as a consumer will get extra service in the form of an explanation of the process and even special consumer-friendly reporting forms if the assignment allows for them.

Pre-listing Services/For Sale By Owner (FSBO)

Since you have an emotional attachment to your home, it's often very hard to be objective about 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 important negotiating tool once you have an interested buyer, in addition to helping you set a realistic selling price so your property will attract many interested buyers. It gives you something concrete to show the buyer. An appraisal is an independent third party's opinion of your home's price -- not just you saying how much your home is worth. Potential buyers assume you have an emotional attachment to your house and will be more likely to give credibility to a qualified appraiser's value opinion than yours.

PMI Removal Appraisals

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". Your monthly payments will go down once your mortgage loan amount is below 80% of the value of your house. In most cases you can apply to a lender to have the PMI eliminated from your loan. Benjamin Hosfield is veterans in helping consumers just like you rid themselves of unwanted PMI insurance.

Challenge Tax Assessment

Your local tax assessor may have your home overvalued if your home not appreciating as much as other homes close by. That means you're most likely paying more taxes than you should. The sooner you take care of a matter like this, the better, since your property assessment may likely go up again in the next period. A professional appraisal from Benjamin Hosfield is your #1 weapon when contesting your property tax assessment.

Recently got a freeze your HELOC?

Your lender might just make the decision to automatically freeze your home equity line of credit (HELOC) if your house is in a declining area -- even if your specific property has not declined in value. This can be be destructive to your credit score since it may appear as though that credit line is maxed out, and also annoying from a cash flow point of view. Benjamin Hosfield can help you reinstate your HELOC.

We Also Provide Field and Desktop Appraisal Review Services

Would you prefer a second opinion without the charge and delay of waiting for a whole new appraisal? Or do you need a veteran appraiser to double-check your appraisal for accuracy? Benjamin Hosfield offers field reviews where we go out and check the subject and comparables in question. Or, if you're in a hurry, 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. Even though this is usually requested by banks, you may want to exploit this service if you suspect mortgage fraud related to your property.