Attention homeowners in Highland and Lake County: Need an appraisal?

See the top seven reasons IN homeowners hire Martinez Sharmat & Assoc Inc:

  1. Get a pre-listing appraisal (whether they're selling the home on their own or using an agent)
  2. Challenge property tax assessments
  3. Remove PMI to cut your mortgage payment
  4. Reinstate your Home Equity Line of Credit (HELOC)
  5. Review a different appraiser's report for verification
  6. In the case of a IN divorce, where real estate property needs to be divided
  7. To determine the true market value of property in question to settle an estate in Lake County or the state of IN

Own a home in or near Highland, IN and need help determining the price of it?
Contact Martinez Sharmat & Assoc Inc.

We at Martinez Sharmat & Assoc Inc understand the unique needs of a consumer in need of appraisal services. Our usual business clients understand the appraisal process and the usual reporting formats. But as a general consumer,you'll receive extra guidance and explanations through the appraisal process to more fully understand what we do and how we document our findings.

For Sale By Owner/Pre-Listing Services

Since you have an emotional attachment to your own house, it's often very hard to be objective about it. Professional appraisers, like the ones at Martinez Sharmat & Assoc Inc, are objective. We'll tell you what you need to know, not just what you want to hear. A professional appraisal is a crucial negotiating tool once you have an interested buyer, in addition to helping you set a realistic selling price so your property 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 you saying how much you think your home is worth. Potential buyers know that you have an emotional attachment to your house and will be much more likely to give credibility to a seasoned appraiser's value conclusion than yours.

Appraisals to remove PMI

PMI stands for Private Mortgage Insurance. An attractive way to save money for homeowners is getting the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan is below 80% of the value of your house, 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 Martinez Sharmat & Assoc Inc, we're experts in helping clients just like you rid yourselves of unneeded PMI insurance.

Challenge Lake county's assessment of your property

If you live in a region that is going down or not appreciating as much as other houses close by, your local tax assessor may have your home overvalued. This only means you are going to pay higher taxes than you should be paying. The sooner you take care of things like this, the better off you'll be, since your property assessment may likely go up again in the next period. Getting a professional appraisal from Martinez Sharmat & Assoc Inc is your #1 weapon when challenging your property tax assessment.

HELOC recently frozen?

Even if your specific property has not declined in value, your lender just might choose to automatically freeze your home equity line of credit (HELOC) if your property is in a declining area. Not only can this be difficult from a cash flow standpoint, but it can be damaging to your credit score since it may appear as though that credit line is maxed out. Martinez Sharmat & Assoc Inc can help you reinstate your HELOC.

Field and Desktop Appraisal Review Services

Do you need a veteran appraiser to double-check your appraisal for preciseness, or do you need a second opinion without the added cost and delay of waiting for a whole new appraisal? In a field review we'll go out and check the subject and comparables. 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.

Need a retrospective review of an appraisal report? We can We can assist you While typically requested by banks, you may need to exploit this service if you suspect mortgage fraud related to your house.