|
|
Attention homeowners in FISHERS and Marion County: Get an Appraisal today!
The top reasons Indiana homeowners call on C. A. Klemme:
- Find the right listing price (whether you're using an agent or selling the home on your own)
- Challenge property tax assessments
-
Remove PMI to reduce your mortgage payments
-
To reinstate their Home Equity Line of Credit (HELOC)
-
Review a different appraiser's report for verification
-
In the case of a divorce in the state of Indiana, when real estate needs to be divided
-
To determine the true market value of a property to settle an estate
We at C. A. Klemme understand the individual needs of a customer after appraisal services.
While our usual 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.
For-Sale-by-Owner (FSBO) / Pre-Listing Services
Since you have an emotional attachment to your home, it's often very hard to be objective about it.
Our professional appraisers at C. A. Klemme 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 house will attract many interested buyers, a professional appraisal is very important as a negotiating tool once you have a likely buyer.
The appraisal is something concrete to show your buyer.
An 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 assume you have an emotional attachment to your home and will be far more likely to give credibility to an accomplished appraiser's value estimation than yours.
Challenge property tax assessments
If you live in an area that is declining or not appreciating as much as other properties nearby, your local tax assessor may have your house overvalued.
That means you're most likely 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.
Getting a professional appraisal from C. A. Klemme is your best weapon when challenging your property tax assessment.
Need to remove PMI?
PMI stands for Private Mortgage Insurance. A preferred way to cut costs for homeowners is getting the PMI removed from their mortgage loan, thus saving them money on their monthly payments.
Once your mortgage loan is down below 80% of the value of your home, 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.
We're qualified in helping clients just like you rid yourselves of unwanted and unneeded PMI insurance.
HELOC recently frozen?
Your lender may make the decision to automatically freeze your home equity line of credit (HELOC) if your property is in a declining area -- even if your specific property has not declined in value.
This can be inconvenient from a cash flow standpoint, and detrimental to your credit score since it may appear as though that credit line is maxed out.
C. A. Klemme can help you reinstate your home equity line of credit with a professional appraisal.
Do You Need Field and Desktop Appraisal Review Services?
Have you just received a copy of your appraisal and you would like to have a seasoned expert double-check it for accuracy or do you want a second opinion without the added cost and delay of waiting for a whole new appraisal?
C. A. Klemme offers field reviews where we'll go out and check the subject and comps.
If you're in a rush, 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.
Do you need a retrospective review of an appraisal report? We can help with that too.
While typically requested by banks, you may wish to utilize this service if you suspect mortgage fraud related to your property.
|
|
