Real estate appraisal services for homeowners in the city of Winona and Winona County

Here are the top 7 reasons why Minnesota homeowners hire Darcy Morescki Appraisals:

  1. Pre-listing appraisals (whether you're using an agent or selling the home on your own)
  2. Challenge property tax assessments
  3. Remove PMI to lower your mortgage payment
  4. Reinstate their Home Equity Line of Credit (HELOC)
  5. Review a different appraiser's report for verification
  6. If property needs to be divided because of a divorce
  7. To settle an estate in Minnesota by determining the true market value of the real estate in question
Need help deciding the price of your home in or near Winona, Minnesota? Contact Darcy Morescki Appraisals.

At Darcy Morescki Appraisals, we understand the special needs of a customer in need of appraisal services. Our customary business clients get the appraisal process and the standard reporting formats. But as a general consumer, you'll receive extra guidance and explanations through the appraisal process to more fully understand what we do and how we report our conclusions.

Pre-listing Services/For Sale by Owner

Since you have an emotional attachment to your house, it's often very hard to be objective about it. The professional appraisers at Darcy Morescki Appraisals 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 price to sell at so your house will attract many interested buyers, a professional appraisal is a very valuable negotiating tool once you have an attainable buyer. It's something concrete to show your buyer. The appraisal is an independent third party's opinion of your home's value, not just how much you think your home is worth. Potential buyers know that you have an emotional attachment to your home and will be far more likely to give credibility to an accomplished appraiser's value opinion than yours.

Challenging a property tax assessment

Your local tax assessor may have your house overvalued if you live in a local area that is going down or not appreciating as much as other homes close to yours. That only means you are going to pay more taxes than you should. The sooner you take care of things like this, the better off you'll be, since your property assessment may likely go up again in the next period. When challenging your property tax assessment, getting a professional appraisal from Darcy Morescki Appraisals is your chief weapon.

Need to remove PMI?

PMI stands for Private Mortgage Insurance. 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. Your monthly payments will go down once your mortgage loan amount is below 80% of the value of your home. In most cases you can apply to the lender to have the PMI eliminated from your loan. We are seasoned in helping homeowners just like you get rid of unneeded PMI insurance.

Recently got a freeze to your HELOC?

Even if your specific property has not declined in value, your lender might make the decision to automatically freeze your home equity line of credit (HELOC) if your home is in a declining area. Not only can this be inopportune from a cash flow viewpoint, but it can be destructive to your credit score since it may appear as though that credit line is maxed out. Darcy Morescki Appraisals can help you reinstate your home equity line of credit with a professional appraisal.

Do You Need Field and Desktop Appraisal Review Services?

Do you need a veteran appraiser to double-check your appraisal for verity, or do you need a second opinion without the expense and delay of waiting for a whole new appraisal? We can go out and check the subject and comparables in a field review. If you're in a rush, we'll 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? Darcy Morescki Appraisals can help you with that. While typically requested by banks, you may desire to exercise this service if you suspect mortgage fraud related to your home.