Appraisal services for Waterloo and Dekalb County homeowners

The top 7 reasons IN homeowners need Accurate Appraisals:

  1. Get a pre-listing appraisal (whether you're using a real estate agent or selling the home on your own)
  2. Challenge a property tax assessment
  3. Remove PMI to lower your mortgage payment
  4. Reinstate your Home Equity Line of Credit (or HELOC)
  5. To review a different appraiser's report for verification
  6. If property needs to be divided because of a divorce
  7. To settle an estate in Dekalb county or IN by determining the true market value of real estate in question

Need help determining the price of your home in or near Waterloo, IN?
Contact Accurate Appraisals.

At Accurate Appraisals, we understand the unique needs of a customer looking for appraisal services. Our usual business clients understand the appraisal process and the standard "products" we deliver to them. Being a homeowner that ordinarily doesn't see an appraisal on a regular basis,we will give you extra guidance and explanations through the appraisal process to more clearly understand what we do and how we present our conclusions.

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

Since you have an emotional attachment to your own house, it's often very hard to be objective about it. Our professional appraisers at Accurate Appraisals are objective. We won't just tell you what you want to hear, we will tell you what you need to know. A professional appraisal is very important as a negotiating tool once you have a likely buyer, in addition to helping you set a realistic selling price so your house will attract many interested buyers. It's something concrete to show your buyer. An appraisal is an independent third party's opinion of your house's price -- not just you saying how much your house is worth. Potential buyers assume that you have an emotional attachment to your house and will be far more likely to give credibility to an experienced appraiser's value report than yours.

Appraisals to remove PMI

Getting the PMI (Private Mortgage Insurance) eliminated from your mortgage loan is a popular way to cut expenses for homeowners. Once your mortgage loan is less than 80% of the value of your house, in most cases you can apply to the lender to have the PMI eliminated from your loan, which will make your monthly payments go down. We are veterans in helping homeowners just like you dismiss unneeded PMI insurance.

Challenge property tax assessments

Lets say your home is not appreciating as much as other houses close by -- your local tax assessor may have your house overvalued. This means you are going to pay higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the quicker you take care of things like this, the better off you'll be. A professional appraisal from Accurate Appraisals is your number one weapon when challenging your property tax assessment.

Recently got a freeze your HELOC?

If your house is close to a declining area, your lender just may choose to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can be be bad for your credit score since it may appear as though that credit line is maxed out, and also inconvenient from a cash flow viewpoint. Accurate Appraisals can provide you with an expert appraisal to help you reinstate your home equity line of credit.

Need Field and Desktop Appraisal Review Services?

Have you just been given a copy of your appraisal and you'd wish to have a seasoned expert double-check it for preciseness or do you want a second opinion without the added cost and delay of waiting for a whole new appraisal? 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.

Need a retrospective review of an appraisal? We can help with that too. Even though this is usually requested by banks, you may want to use this service if you suspect mortgage fraud related to your house.