C. A. Klemme in FISHERS do appraisals for numerous purposesEvery year, thousands of people in Indiana purchase, sell or refinance their home. Most of these transactions have a simple line item for an appraisal. Most lenders still want a local expert because the stakes are incredibly high, even though there are a budding number of automated home valuation systems that may appear less expensive than an appraisal. You might assume that securing a mortgage is the only reason to acquire an appraisal, but there are additional instances when the services of a certified, independent real estate professional could be helpful.
Appeal your tax assessment in Marion CountyIt's quite possible you're paying too much in property taxes if you reside in an area where property values have declined. Ad Valorem taxes are determined by a previous assessment of your real estate, so if values have declined in your area, you can challenge your assessment and save money. An appraisal from C. A. Klemme is your best evidence when building your case. At C. A. Klemme, we're capable of assisting you in appealing your tax assessment.
Let C. A. Klemme assist you in lowering your mortgage paymentWhen the amount being loaned to the home owner is more than 80% of the actual value of the home, many lenders ask home buyers to purchase an supplemental insurance policy. That policy is Private Mortgage Insurance, or PMI. Most often, this extra payment is folded into the monthly mortgage payment and is soon forgotten. PMI is no longer required when the remaining balance of the loan - whether through market appreciation or principal pay down - decreases below the 80% level, making this very unfavorable. In fact, the Homeowners Protection Act (HPA) of 1998 was passed by the United States Congress requiring lenders to do away with the PMI payments on most mortgages when the balance is paid down to 78% of the original value.
If you'd like to eliminate PMI, C. A. Klemme can produce a statement regarding the value of your home. The expense of the appraisal can generally be offset in little time because you'll no longer be paying the PMI.
Settling a divorce with less stressA divorce can be a particularly daunting event for both parties, and it is often more complicated by the hard decision of who keeps the house. It's a good idea to get an appraisal from C. A. Klemme so both parties are fully aware of the true market value of their property, regardless of the situation.
If the parties want to sell the home, they'll have a clearer picture of what price to set. And on the flip side, if a "buyout" is the chosen option, both parties will feel like they've received a fair assessment.
Accurate and fair estate liquidationThe death of a loved one is a difficult time in life, and settling an estate from a death, or probate, often requires an appraisal to establish Market Value for the residential property involved. The ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP) binds us with confidentiality, ensuring the highest degree of discretion.
Unlike many wealthy individuals, most Americans do not have dedicated estate planners or executors to take care of these affairs. A home or other property often makes up an uneven share of the total estate value, so understanding the true value of the real estate at hand is of significant importance to ensuring disputing parties walk away knowing they've gotten an honest deal.
C. A. Klemme can help you with relocating to or from Marion CountyWe understand the stress associated with an employee relocation. That's why we take great care in establishing a convenient appointment time for the appraisal inspection. During our thorough process, we encourage employees that are moving to provide remarks on the positive characteristics of their property, along with information about any new sales or listings in their neighborhood that they want considered.
Let C. A. Klemme assist you in selling your home quickly at the right priceA professional appraisal will help you make a better educated decision regarding your selling price, whether you choose to sell your home on your own or use the assistance of a real estate agent. Separate from a real estate agent, an appraiser has no vested interest in what price the house sells for. Our fees aren't related to the sales price, but rather they are based on our efforts to finish the appraisal.
On a daily basis, we analyze the difference in value items like an additional bathroom or a kitchen remodel can make. Seeking a professional appraisal is a reliable way to determine what improvements will add value and what an applicable sales price is for your home - so you don't come up short or have your house on the market an unnecessarily long time - because we're experts in knowing how long homes stay on the market.