Attention homeowners in Huntertown and Allen County: Need an appraisal?

See the top seven reasons why IN homeowners call on Joseph Patane:

  1. Pre-listing appraisals (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 reduce a mortgage payments
  4. Reinstate your Home Equity Line of Credit (or HELOC)
  5. Review a different appraiser's report for verification
  6. If real estate needs to be divided because of a divorce
  7. To settle an estate in Allen county or IN by determining the true market value of real estate in question

Own a house in or near Huntertown, IN and need help deciding the price of it?
Contact Joseph Patane.

At Joseph Patane, we understand the special needs of a customer looking for appraisal services. Our business practices and reporting formats are relatively routine to our business clients like lenders, lawyers, and CPAs. But as a consumer,we'll be sure you get extra guidance and explanations through the appraisal process to understand what we do and how we document our conclusions.

Pre-listing Services/For Sale By Owner

It's very hard to be objective about your house because you probably have an emotional attachment to it. Our professional appraisers at Joseph Patane are objective. We won't just tell you what you want to hear, we will tell you what you need to know. In addition to helping you set a realistic price to sell at so your home will attract many interested buyers, a professional appraisal is very valuable as a negotiating tool once you have an attainable buyer. It's something concrete to show your buyer. An appraisal is an independent third party's opinion of your home's price -- not just how much your home is worth. Potential buyers know you have an emotional attachment to your house and will be more likely to give credibility to an accomplished appraiser's value judgement than yours.

Appraisals to cancel PMI

An attractive way to cut costs for homeowners is to get the PMI removed from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Your monthly payments will go down once your mortgage loan is below 80% of the value of your home. In most cases you can apply to a lender to have the PMI eliminated from your loan. We're experts in helping people just like you rid themselves of unneeded PMI insurance.

Challenge Tax Assessment

Lets say your house is not appreciating as much as other properties close to yours -- your local tax assessor may have your house overvalued. That means you're going to pay more taxes than you should. 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. An expert appraisal from Joseph Patane is your perfect weapon when contesting your property tax assessment.

Was your HELOC recently frozen?

Your lender might just make the decision to automatically freeze your home equity line of credit (HELOC) if your property is near a declining area -- even if your specific property has not declined in value. This can this be troublesome from a cash flow standpoint, and detrimental to your credit score since it may appear as though that credit line is maxed out. A professional appraisal from Joseph Patane can help you reinstate your HELOC.

We Offer Field and Desktop Appraisal Review Services

Would you like a second opinion without the added cost and delay of waiting for a whole new appraisal? Or do you desire a professional to double-check your appraisal for efficiency? In a field review we'll go out and check the subject and comparables. If you're in a hurry, we'll provide desk review and verify as many facts as we can using online data sources as well as our own files.

We can also provide you with a a retrospective review of any appraisal you may have in your possession. Even though this is usually requested by banks, you may want to exploit this service if you suspect mortgage fraud related to your property.