Need an appraisal in Bargersville or Johnson County?

Check out the top seven reasons why IN homeowners call on Sauter and Associates:

Pre-listing appraisals (whether you're using an agent or selling the home on your own)
Challenge a property tax assessment
Remove PMI to lower their mortgage payment
To reinstate their Home Equity Line of Credit (or HELOC)
Review another appraiser's report for verification
In the case of a IN divorce, when real estate property needs to be divided
To determine the true market value of real estate in question to settle an estate

Do you own a house in or near Bargersville? Do you need help determining the price of your real estate?
Contact Sauter and Associates.

At Sauter and Associates, we understand the individual needs of a homeowner seeking appraisal services. Our business practices and reporting formats are relatively routine to our business clients like lenders, lawyers, and CPAs. As our valued client, we'll be sure you get extra guidance and explanations through the appraisal process to understand what we do and how we document our findings.

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

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. In addition to helping you set a realistic price to sell at so your home will attract many interested buyers, a professional appraisal is a very important negotiating tool once you have a likely buyer. It's something concrete to show the buyer. The appraisal is an independent third party's opinion of your property's price, not just you saying how much 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 professional appraiser's value estimation than yours.

Need to remove PMI?

An attractive money saver for homeowners is getting the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Once your mortgage loan amount is down below 80% of the value of your home, in most cases you can apply to your lender to have the PMI eliminated from your loan, which will make your monthly payments go down. At Sauter and Associates, we're qualified in helping folks just like you rid yourselves of unneeded PMI insurance.

Challenging property tax assessments

Your local tax assessor may have your house overvalued if your home not appreciating as much as other homes nearby. That means you're paying more taxes than you should. The faster you take care of a matter like this, the better, since your property assessment may likely go up again in the next period. When contesting your property tax assessment, getting an expert appraisal from Sauter and Associates is your number one weapon.

Was your HELOC recently frozen?

Your lender may just choose to automatically freeze your home equity line of credit (HELOC) if your property is in a declining area -- even if your specific property has not declined in value. This can this be troublesome from a cash flow standpoint, and negative on your credit score since it may appear as though that credit line is maxed out. An appraisal from Sauter and Associates can help you reinstate your HELOC.

Do You Need Field and Desktop Appraisal Review Services?

Do you need a professional to double-check your appraisal for precision, or do you desire a second opinion without the added expense and delay of waiting for a whole new appraisal? We can go out and check the subject and comparables in question in a field review. 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.

We can also provide a retrospective review of any appraisal you may have in your possession. Even though this is usually requested by banks, you may need to make use of this service if you suspect mortgage fraud related to your home.