Attention homeowners in Bargersville and Johnson County: Get an Appraisal today!

Here are the top reasons IN homeowners use Sauter and Associates:

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

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

At Sauter and Associates, we understand the unique needs of a homeowner seeking appraisal services. While our usual business 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.

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

It's very hard to be objective about your own home because you most likely have an emotional attachment to it. Professional appraisers, like the ones at Sauter and Associates, 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 price to sell at so your property will attract interested buyers, a professional appraisal is a very valuable negotiating tool once you have an attainable buyer. The appraisal is something concrete to show the buyer. It's an independent third party's opinion of your house's price, and not just how much you think your house is worth. Interested buyers know that you have an emotional attachment to your home and will be much more likely to give credibility to an experienced appraiser's value judgement than yours.

Appraisals to remove PMI

Getting the PMI (Private Mortgage Insurance) eliminated from your mortgage loan is an attractive money saver 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 the lender to have the PMI eliminated from your loan. We are qualified in helping folks just like you rid yourselves of unwanted PMI insurance.

Challenging property tax assessments

Your local tax assessor may have your home overvalued if you live in a region that is declining or not appreciating as much as other houses nearby. That only means you are most likely paying more taxes than you should. 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. An expert appraisal from Sauter and Associates is your best weapon when contesting your property tax assessment.

Recently got a freeze your HELOC?

Your lender just might make the decision to automatically freeze your home equity line of credit (HELOC) if your home is close to a declining area -- even if your specific property has not declined in value. This can be be harmful to your credit score since it may appear as though that credit line is maxed out, and also unsuitable from a cash flow angle. Sauter and Associates can provide you with an expert appraisal that will help you reinstate your HELOC.

Field and Desktop Appraisal Review Services

Do you need a seasoned expert to double-check your appraisal for precision, or do you want a second opinion without the added expense and delay of waiting for a whole new appraisal? In a field review we'll go out and check the subject and comps in question. If you need it in a rush, we'll 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? Sauter and Associates can help with that too. While typically requested by banks, you may wish to utilize this service if you suspect mortgage fraud related to your home.