Attention homeowners in Indianapolis and Marion County: Need an appraisal?

Here are the top 7 reasons IN homeowners use Michael C. Lady Advisors, Inc.:

Find the right listing price (whether they're selling the home on their own or using a real estate agent)
To challenge a IN property tax assessment
Remove PMI to lower a monthly mortgage payment
Reinstate their Home Equity Line of Credit (HELOC)
To review another appraiser's report for verification
If real estate needs to be divided because of a divorce
Settle an estate in IN by determining the true market value of real estate in question

Own a home in or near Indianapolis, IN and need help determining the value of it?
Contact Michael C. Lady Advisors, Inc..

At Michael C. Lady Advisors, Inc., we understand the unique needs of a customer in need of appraisal services. Our typical business clients are used to the appraisal process and the standard reporting formats. But as a general consumer,we will give you extra guidance and explanations through the appraisal process to more clearly understand what we do and how we present the results of our analysis.

For Sale By Owner/Pre-Listing Services

Since you have an emotional attachment to your house, it's often very hard to be objective about 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 very important as a negotiating tool once you have an attainable buyer, in addition to helping you set a realistic selling price so your house will attract interested buyers. It gives you something tangible to show your buyer. An appraisal is an independent third party's opinion of your house's price -- not just how much your house is worth. Interested buyers assume you have an emotional attachment to your home and will be much more likely to give credibility to a professional appraiser's value assessment than yours.

Appraisals to remove PMI

A fashionable way to cut costs for homeowners is getting the PMI removed from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". 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 removed from your loan, which will make your monthly payments go down. We're experienced in helping people just like you get rid of unwanted and unneeded PMI insurance.

Challenge property tax assessments

Lets say you live in a region that is declining -- your local tax assessor may have your house overvalued. This means you're paying 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 a matter like this, the better off you'll be. When contesting your property tax assessment, getting a professional appraisal from Michael C. Lady Advisors, Inc. is your number one weapon.

Recently got a freeze your HELOC?

Even if your specific property has not declined in value, your lender might decide to automatically freeze your home equity line of credit (HELOC) if your property is in or near a declining area. This can be be negative on your credit score since it may appear as though that credit line is maxed out, and also disadvantageous from a cash flow viewpoint. Michael C. Lady Advisors, Inc. can provide you with efficient appraisal that will help you reinstate your HELOC.

Do You Need Field and Desktop Appraisal Review Services?

Would you wish a second opinion without the cost and delay of waiting for a whole new appraisal? Or do you desire a seasoned expert to double-check your appraisal for verity? An appraiser from Michael C. Lady Advisors, Inc. can go out and check the subject and comps in a field review. Or, if you need it ASAP, 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? Michael C. Lady Advisors, Inc. can help with that too. Even though this is typically requested by banks, you may wish to exercise this service if you suspect mortgage fraud related to your home.