Need an appraisal in Hastings or Adams County?

The top seven reasons NE homeowners need Ocena Appraisals:

Pre-listing appraisals (whether you're using a real estate agent or selling the home on your own)
Challenge property tax assessments
To lower your monthly mortgage payment by removing PMI
To reinstate their Home Equity Line of Credit (or HELOC)
Verify another appraiser's report
If real estate needs to be divided because of a divorce
To determine the true market value of real estate in question to settle an estate in Adams County or the state of NE

Do you own a house in or near Hastings? Do you need help determining the price of your real estate?
Contact Ocena Appraisals.

We at Ocena Appraisals understand the unique needs of a customer seeking 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.

For Sale By Owner/Pre-Listing Services

It's very hard to be objective about your own house because you probably have an emotional attachment to it. Our professional appraisers at Ocena Appraisals are objective. We won't just tell you what you want to hear, we'll tell you what you need to know. In addition to helping you set a realistic price to sell at so your property will attract buyers, a professional appraisal is a crucial negotiating tool once you have an attainable buyer. It's something tangible to show the buyer. It's an independent third party's opinion of your house's value, and not just you saying how much your house is worth. Interested buyers assume that you have an emotional attachment to your house and will be much more likely to give credibility to a qualified appraiser's value conclusion than yours.

Appraisals to cancel PMI

Getting the PMI (Private Mortgage Insurance) canceled from your mortgage loan is a preferred money saver for homeowners. Your monthly payments will go down once your mortgage loan amount is down below 80% of the value of your house. In most cases you can apply to a lender to have the PMI removed from your loan. Ocena Appraisals is seasoned in helping clients just like you rid yourselves of unnecessary PMI insurance.

Challenging Adams county's assessment of your property

Your local tax assessor may have your house overvalued if your home is not appreciating as much as other houses close by. This only means you're paying higher taxes than you should be paying. The quicker you take care of a matter like this, the better, since your property assessment may likely go up again in the next period. An appraisal report from Ocena Appraisals is your perfect weapon when challenging your property tax assessment.

Was your HELOC recently frozen?

Your lender may just make the decision to automatically freeze your home equity line of credit (HELOC) if your house is in or near 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 difficult and inconvenient from a cash flow standpoint. Ocena Appraisals can provide you with a professional appraisal that will help you reinstate your HELOC.

Need Field and Desktop Appraisal Review Services?

Do you need a professional to double-check your appraisal for verity, or do you need a second opinion without the charge and delay of waiting for a whole new appraisal? We can go out and check the subject and comps in a field review. If you need it 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? Ocena Appraisals can help you with that. While usually requested by banks, you may desire to make use of this service if you suspect mortgage fraud related to your property.