Real estate appraisal services for homeowners in the city of Greenwood and Johnson County

Check out the top 7 reasons why IN homeowners use Josh Spoonamore:

Find the right listing price (whether you're using an agent or selling the home on your own)
To challenge a IN property tax assessment
To reduce a monthly mortgage payment by removing PMI
To reinstate your Home Equity Line of Credit (or HELOC)
Review a different appraiser's report for verification
If real estate needs to be divided because of a divorce
Determine the true market value of real estate in question to settle an estate

Need help determining the price of your house in or near Greenwood, IN?
Contact Josh Spoonamore.

At Josh Spoonamore, we understand the particular needs of a customer in need of appraisal services. While our usual business clients understand the appraisal process and standard reporting formats, you as a consumer will get extra service in the form of an explanation of the process and even special consumer-friendly reporting forms if the assignment allows for them.

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

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 crucial as a negotiating tool once you have an attainable buyer, in addition to helping you set a realistic price to sell at so your property will attract many interested buyers. The appraisal is something concrete to show the buyer. The appraisal is an independent third party's opinion of your property's price, not just you saying how much your house is worth. Potential buyers know that you have an emotional attachment to your home and will be much more likely to give credibility to a qualified appraiser's value report than yours.

Appraisals to cancel PMI

Getting the PMI (Private Mortgage Insurance) eliminated from your mortgage loan is a popular way to cut costs for homeowners. Your monthly payments will go down once your mortgage loan amount is down below 80% of the value of your house. In most cases you can apply to the lender to have the PMI canceled from your loan. We are experts in helping clients just like you remove unnecessary PMI insurance.

Challenging a property tax assessment

Your local tax assessor may have your house overvalued if you live in a local area that's going down. That means you are most likely paying 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. Getting an expert appraisal from Josh Spoonamore is your perfect weapon when challenging your property tax assessment.

Recently got a freeze your HELOC?

If your property is in a declining area, your lender may choose to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. Not only can this be disadvantageous from a cash flow viewpoint, but it can be bad for your credit score since it may appear as though that credit line is maxed out. Josh Spoonamore can provide you with efficient appraisal that will help you reinstate your home equity line of credit.

Field and Desktop Appraisal Review Services

Would you wish a second opinion without the charge and delay of waiting for a whole new appraisal? Or do you need a seasoned professional to double-check your appraisal for preciseness? We can go out and check the subject and comparables in a field review. Or, if you're in a rush, 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? Josh Spoonamore can help with that too. While typically requested by banks, you may want to exploit this service if you suspect mortgage fraud related to your house.