Appraisal services for Indianapolis and Marion County homeowners
Here are the top 7 reasons why IN homeowners use Perry & Associates Appraisal Company:
Own a house in or near Indianapolis, IN and need help determining the value of it?
We at Perry & Associates Appraisal Company understand the individual needs of a homeowner looking for appraisal services. While our typical business clients understand the appraisal process and standard reporting formats, you as a consumer will get extra customer 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
It's very hard to be objective about your own house because you most likely 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 crucial negotiating tool once you have a potential buyer, in addition to helping you set a realistic price to sell at so your home will attract buyers. It gives you something tangible to show your buyer. The appraisal is an independent third party's opinion of your house's value, not just you saying how much you think your home is worth. Interested buyers know that you have an emotional attachment to your home and will be more likely to give credibility to a seasoned appraiser's value conclusion than yours.
Appraisals to remove PMI
PMI stands for Private Mortgage Insurance. A popular money saver for homeowners is getting the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. Your monthly payments will go down once your mortgage loan amount is down 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. We're experienced in helping folks just like you do away with undesirable PMI insurance.
Challenge property tax assessments
Your local tax assessor may have your house overvalued if you live in a local area that is declining or not appreciating as much as other houses close to yours. This means you're probably paying higher taxes than you should be paying. The faster you take care of a matter like this, the better off you'll be, since your property assessment may likely go up again in the next period. Getting an appraisal report from Perry & Associates Appraisal Company is your number one weapon when challenging your property tax assessment.
HELOC recently frozen?
Your lender may just make the decision to automatically freeze your home equity line of credit (HELOC) if your home is close to a declining area -- even if your specific property has not declined in value. This can this be annoying from a cash flow standpoint, and destructive to your credit score since it may appear as though that credit line is maxed out. Perry & Associates Appraisal Company can help you reinstate your HELOC.
Field and Desktop Appraisal Review Services
Have you just been given a copy of your appraisal and you'd prefer to have a professional double-check it for efficiency or do you need a second opinion without the added 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 need it ASAP, we'll provide you with a desk review and verify as many facts as we can using online data sources as well as our own files.
We can also provide you with a a retrospective review of any appraisal report you may have had done before. While usually requested by banks, you may desire to exploit this service if you suspect mortgage fraud related to your house.