Attention homeowners in Carmel and Hamilton County: Need an appraisal?

The top 7 reasons why IN homeowners call on Ask Pat About Appraisals:

Pre-listing appraisals (whether they're selling the home themselves or using a real estate agent)
Challenge property tax assessments
To reduce their mortgage payment by removing PMI
Reinstate your Home Equity Line of Credit (HELOC)
To review another appraiser's report for verification
If property needs to be divided because of a divorce
Determine the true market value of property in question to settle an estate in Hamilton county or IN

Do you own a home in or near Carmel? Do you need help determining the value of your real estate?
Contact Ask Pat About Appraisals.

We at Ask Pat About Appraisals understand the particular needs of a consumer looking for appraisal services. While our typical 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 home because you probably have an emotional attachment to it. Professional appraisers, like the ones at Ask Pat About Appraisals, are objective. We'll tell you what you need to know, not just what you want to hear. A professional appraisal is a very important negotiating tool once you have a likely buyer, in addition to helping you set a realistic price to sell at so your property will attract buyers. It gives you something tangible to show the buyer. The appraisal is an independent third party's opinion of your house's price, not just how much your home is worth. Interested buyers know that you have an emotional attachment to your house and will be far more likely to give credibility to an accomplished appraiser's value opinion than yours.

Appraisals to cancel PMI

Getting the PMI (Private Mortgage Insurance) removed from your mortgage loan is a popular way to cut expenses for homeowners. Once your mortgage loan amount is 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, which will make your monthly payments go down. At Ask Pat About Appraisals, we're veterans in helping customers just like you delete unwanted and unneeded PMI insurance.

Challenging property tax assessments

If you live in a region that is going down or not appreciating as much as other homes close to yours, your local tax assessor may have your home overvalued. That means you are probably paying more taxes than you should. The earlier you take care of a matter like this, the better, since your property assessment may likely go up again in the next period. When challenging your property tax assessment, getting an appraisal from Ask Pat About Appraisals is your number one weapon.

Was your HELOC recently frozen?

If your house is near a declining area, your lender might just make the decision to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can this be troublesome from a cash flow standpoint, and damaging to your credit score since it may appear as though that credit line is maxed out. Ask Pat About Appraisals can provide you with efficient appraisal that will help you reinstate your HELOC.

Need Field and Desktop Appraisal Review Services?

Have you just gotten a copy of your appraisal and you'd wish to have a seasoned professional double-check it for verity or do you want a second opinion without the cost and delay of waiting for a whole new appraisal? Ask Pat About Appraisals offers field reviews where we go out and check the subject and comparables in question. Or, if you need it in a rush, we can 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 a retrospective review of any appraisal report you may have in your possession. While typically requested by banks, you may want to exercise this service if you suspect mortgage fraud related to your house.