Appraisal services for Greenwood and Johnson County homeowners
The top reasons Indiana homeowners need Smith & Connerley:
At Smith & Connerley, we understand the unique needs of a consumer after 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/Pre-Listing ServicesIt's very hard to be objective about your home because of your emotional attachment to it. Professional appraisers, like the ones at Smith & Connerley, will be objective. We'll 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 house will attract interested buyers, a professional appraisal is very valuable as a negotiating tool once you have an attainable buyer. The appraisal is something concrete to show your buyer. An appraisal is an independent third party's opinion of your house's value -- not just how much you think your home is worth. Potential buyers assume you have an emotional attachment to your house and will be far more likely to give credibility to a professional appraiser's value conclusion than yours.
Challenging Johnson County's assessment of your propertyLet's say you live in a region that's declining -- your local tax assessor may have your house overvalued. This only means you're most likely paying higher taxes than you should be paying. The quicker you take care of things like this, the better, since your property assessment may likely go up again in the next period. Getting a professional appraisal from Smith & Connerley is your perfect weapon when challenging your property tax assessment.
Appraisals to cancel PMIGetting the PMI (Private Mortgage Insurance) eliminated from your mortgage loan is a popular way to cut expenses for homeowners. Your monthly payments will go down once your mortgage loan amount is less than 80% of the value of your house. In most cases you can apply to your lender to have the PMI canceled from your loan. We are veterans in helping homeowners just like you rid yourselves of unwanted and unneeded PMI insurance.
Was your HELOC recently frozen?Your lender might decide to automatically freeze your home equity line of credit (HELOC) if your home is near a declining area -- even if your specific property has not declined in value. This can be inopportune from a cash flow point of view, and detrimental to your credit score since it may appear as though that credit line is maxed out. Smith & Connerley can provide you with a professional appraisal to help you reinstate your HELOC.
Field and Desktop Appraisal Review ServicesWould you like a second opinion without the added expense and delay of waiting for a whole new appraisal? Or do you need a seasoned appraiser to double-check your appraisal for preciseness? In a field review we will go out and check the subject and comps in question. 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.
Do you need a retrospective review of an appraisal report? Smith & Connerley can help you with that. Even though most review work is commissioned by lenders, homeowners that have reason to believe a prior appraisal wasn't above board are wise to invest in a second opinion.