Real estate appraisal services for homeowners in the city of Delphi and Carroll County
The top reasons Indiana homeowners hire Cardinal Appraisal Services:
At Cardinal Appraisal Services, we understand the individual needs of a consumer after appraisal services. The appraisal process and reporting formats are familiar to our business clients like banks, lawyers, and accountants. But as a general consumer, you'll receive extra guidance and explanations through the appraisal process to better understand what we do and how we document the results of our analysis.
Pre-listing Services/For Sale by OwnerIt's very hard to be objective about your own home 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 a very important negotiating tool once you have an attainable buyer, in addition to helping you set a realistic selling price so your home will attract buyers. It gives you something tangible to show your buyer. The appraisal is an independent third party's opinion of your property's market value, not just you saying how much you think your home is worth. Interested buyers assume you have an emotional attachment to your house and will be more likely to give credibility to a qualified appraiser's value opinion than yours.
Challenge Tax AssessmentLet's say you live in an area that is 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 a matter like this, the better, since your property assessment may likely go up again in the next period. Getting an expert appraisal from Cardinal Appraisal Services is your number one weapon when contesting your property tax assessment.
PMI Removal AppraisalsGetting the PMI (Private Mortgage Insurance) canceled from your mortgage loan is a popular way to cut expenses for homeowners. Your monthly payments will go down once your mortgage loan is down below 80% of the value of your home. In most cases you can apply to the lender to have the PMI removed from your loan. We are qualified in helping clients just like you rid yourselves of unwanted PMI insurance.
Recently got a freeze to your HELOC?Even if your specific property has not declined in value, your lender may just make the decision to automatically freeze your home equity line of credit (HELOC) if your home is in or near a declining area. Not only can this be difficult and inconvenient from a cash flow standpoint, but it can be destructive to your credit score since it may appear as though that credit line is maxed out. A professional appraisal from Cardinal Appraisal Services can help you reinstate your HELOC.
We Provide Field and Desktop Appraisal Review ServicesWould you like a second opinion without the cost and delay of waiting for a whole new appraisal? Or do you need a seasoned expert to double-check your appraisal for verity? Cardinal Appraisal Services offers field reviews where we go out and check the subject and comparables. Or, if you need it ASAP, we can provide 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? We can help with that too. While typically requested by banks, you may wish to employ this service if you suspect mortgage fraud related to your home.