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

Here are the top 7 reasons why IN homeowners use Lady and Associates:

  1. To get a pre-listing appraisal (whether they're selling the home on their own or using a real estate agent)
  2. Challenge property tax assessments
  3. Remove PMI to lower their monthly mortgage payment
  4. To reinstate their Home Equity Line of Credit (HELOC)
  5. To review a different appraiser's report for verification
  6. In the case of a IN divorce, where property needs to be divided
  7. To determine the true market value of property in question to settle an estate

Need help determining the price of your house in or near Fishers, IN?
Contact Lady and Associates.

At Lady and Associates, we understand the unique needs of a customer in need of appraisal services. Our regular business clients get the appraisal process and the usual reporting formats. As our valued client, you will receive extra guidance and explanations through the appraisal process to more fully understand what we do and how we document our conclusions.

For Sale By Owner (FSBO)/Pre-Listing Services

It's very hard to be objective about your house because you probably 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 very crucial as a negotiating tool once you have an attainable buyer, in addition to helping you set a realistic selling price so your house will attract buyers. It gives you 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 your house is worth. Interested buyers assume you have an emotional attachment to your home and will be much more likely to give credibility to an expert appraiser's value assessment than yours.

PMI Removal Appraisals

Getting the PMI (Private Mortgage Insurance) eliminated from your mortgage loan is a preferred way to save money for homeowners. Your monthly payments will go down once your mortgage loan is down below 80% of the value of your house. In most cases you can apply to a lender to have the PMI canceled from your loan. Lady and Associates is qualified in helping people just like you delete unwanted and unneeded PMI insurance.

Challenge Tax Assessment

Your local tax assessor may have your home overvalued if you live in a local area that's declining or is not appreciating as much as other properties close to yours. That means you are probably paying more taxes than you should. Since your property assessment may likely go up again in the next period, the faster you take care of a matter like this, the better. A professional appraisal from Lady and Associates is your chief weapon when contesting your property tax assessment.

HELOC recently frozen?

Even if your specific property has not declined in value, your lender might decide to automatically freeze your home equity line of credit (HELOC) if your house is near a declining area. This can this be unsuitable from a cash flow standpoint, and destructive to your credit score since it may appear as though that credit line is maxed out. An efficient appraisal from Lady and Associates can help you reinstate your HELOC.

Do You Need Field and Desktop Appraisal Review Services?

Do you need a veteran appraiser to double-check your appraisal for precision, or do you want a second opinion without the cost and delay of waiting for a whole new appraisal? In a field review we will go out and check the subject and comparables. Or, if you're in a hurry, 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 you with a a retrospective review of any appraisal report you may have had done before. While usually requested by banks, you may want to use this service if you suspect mortgage fraud related to your home.