Real estate appraisal services for homeowners in the city of Decatur and Adams County

See the top seven reasons why IN homeowners need Johnson Valuations:

  1. Pre-listing appraisals (whether they're selling the home on their own or using a real estate agent)
  2. Challenge property tax assessments
  3. To cut a mortgage payment by removing PMI
  4. To reinstate their Home Equity Line of Credit (HELOC)
  5. Review another appraiser's report for verification
  6. If real estate needs to be divided because of a divorce
  7. Determine the true market value of real estate in question to settle an estate in Adams county or IN

Do you own a house in or near Decatur? Do you need help deciding the price of your real estate?
Contact Johnson Valuations.

At Johnson Valuations, we understand the individual needs of a consumer after appraisal services. Our usual business clients understand the appraisal process and the usual "products" we deliver to them. As our non-traditionalclient, we will give you extra guidance and explanations through the appraisal process to better understand what we do and how we document the results of our analysis.

For Sale By Owner/Pre-Listing Services

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. A professional appraisal is very important as a negotiating tool once you have a likely buyer, in addition to helping you set a realistic price to sell at so your home will attract interested buyers. It's something concrete to show the buyer. It's an independent third party's opinion of your home's value, and not just how much you think your home is worth. Potential buyers assume you have an emotional attachment to your house and will be much more likely to give credibility to an accomplished appraiser's value conclusion than yours.

PMI Removal Appraisals

Getting the PMI (Private Mortgage Insurance) removed from your mortgage loan is a preferred way to cut expenses for homeowners. Once your mortgage loan amount is below 80% of the value of your house, in most cases you can apply to your lender to have the PMI removed from your loan, which will make your monthly payments go down. Johnson Valuations is experts in helping folks just like you remove unneeded and unwanted PMI insurance.

Challenging a property tax assessment

If you live in a local area that is declining or not appreciating as much as other properties close by, 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 faster you take care of things like this, the better off you'll be. An expert appraisal from Johnson Valuations is your perfect weapon when challenging your property tax assessment.

HELOC recently frozen?

If your property is near a declining area, your lender may just make the decision to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can this be annoying from a cash flow viewpoint, and harmful to your credit score since it may appear as though that credit line is maxed out. Johnson Valuations can provide you with a professional appraisal that will help you reinstate your HELOC.

We Provide Field and Desktop Appraisal Review Services

Have you just gotten a copy of your appraisal and you would like to have a veteran appraiser double-check it for precision or do you need a second opinion without the cost and delay of waiting for a whole new appraisal? Johnson Valuations offers field reviews where we go out and check the subject and comps in question. If you need it in a rush, we'll 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? Johnson Valuations can We can assist you. 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.