Attention homeowners in Indianapolis and Marion County: Need an appraisal?
See the top seven reasons IN homeowners use C. A. Klemme:
Do you own a house in or near Indianapolis? Do you need help determining the value of your real estate?
At C. A. Klemme, we understand the individual needs of a consumer seeking appraisal services. While our usual clients understand the appraisal process and standard reporting formats, you as a consumer will get an extra level of 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 own house, it's often very hard to be objective about it. Professional appraisers, like the ones at C. A. Klemme, will be objective. We will tell you what you need to know, not just what you want to hear. In addition to helping you set a realistic selling price so your property will attract buyers, a professional appraisal is very important as a negotiating tool once you have a potential buyer. It's something tangible to show the buyer. It's an independent third party's opinion of your house's price, and not just you saying how much you think your home is worth. Potential buyers know that you have an emotional attachment to your house and will be much more likely to give credibility to an accomplished appraiser's value report than yours.
PMI Removal Appraisals
Getting the PMI (Private Mortgage Insurance) removed from your mortgage loan is a preferred way to cut expenses for homeowners. 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 canceled from your loan, which will make your monthly payments go down. C. A. Klemme is veterans in helping consumers just like you abolish undesirable PMI insurance.
Challenging a property tax assessment
Lets say your home is not appreciating as much as other houses nearby -- your local tax assessor may have your home overvalued. That means you are most likely paying more taxes than you should. Since your property assessment may likely go up again in the next period, the sooner you take care of a matter like this, the better off you'll be. An appraisal report from C. A. Klemme is your perfect weapon when challenging your property tax assessment.
HELOC recently frozen?
If your home is in or near a declining area, your lender might just decide to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can this be annoying from a cash flow angle, and unfavorable 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 an expert appraisal.
Field and Desktop Appraisal Review Services
Have you just accepted a copy of your appraisal and you would like to have a seasoned appraiser double-check it for preciseness or do you desire a second opinion without the 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're in a hurry, 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.
Need a retrospective review of an appraisal report? We can We can assist you While typically requested by banks, you may wish to exercise this service if you suspect mortgage fraud related to your home.