Attention homeowners in Frankfort and Clinton County: Need an appraisal?

Here are the top reasons Indiana homeowners order from Appraisals by Harris:

  1. Find the right listing price (whether they're selling the home on their own or using a real estate agent)
  2. Challenge property tax assessments
  3. Remove PMI to reduce their monthly mortgage payment
  4. To reinstate their Home Equity Line of Credit (or HELOC)
  5. Review a different appraiser's report for verification
  6. If real estate property needs to be divided because of a divorce
  7. To settle an estate in Clinton county or Indiana by determining the true market value of the property in question
Do you own a home in or near Frankfort? Do you need help deciding the price of your real estate? Contact Appraisals by Harris.

At Appraisals by Harris, we understand the special needs of a homeowner seeking appraisal services. Our regular business clients get the appraisal process and the customary "products" we deliver to them. As our client, you will receive extra guidance and explanations through the appraisal process to more clearly understand what we do and how we present our conclusions.

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

It's very hard to be objective about your home 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 a very valuable negotiating tool once you have a potential buyer, in addition to helping you set a realistic selling price so your property will attract many interested buyers. It's something tangible to show your buyer. It's an independent third party's opinion of your house's value, and not just you saying how much your house is worth. Potential buyers assume you have an emotional attachment to your home and will be more likely to give credibility to a professional appraiser's value report than yours.

Challenging Clinton County's assessment of your property

Your local tax assessor may have your home overvalued if your house not appreciating as much as other properties nearby. That only means you're going to pay more taxes than you should. The quicker you take care of a matter 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 Appraisals by Harris is your number one weapon when contesting your property tax assessment.

Appraisals to cancel PMI

PMI stands for Private Mortgage Insurance. An attractive way to cut expenses for homeowners is getting the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. Your monthly payments will go down once your mortgage loan is below 80% of the value of your property. In most cases you can apply to the lender to have the PMI eliminated from your loan. We are experts in helping clients just like you delete unneeded and unwanted PMI insurance.

HELOC recently frozen?

If your home is near a declining area, your lender just might 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 be inopportune from a cash flow standpoint, and bad for your credit score since it may appear as though that credit line is maxed out. Appraisals by Harris can help you reinstate your HELOC.

We Provide Field and Desktop Appraisal Review Services

Have you just gotten a copy of your appraisal and you'd wish to have a seasoned appraiser double-check it for accuracy or do you desire a second opinion without the cost and delay of waiting for a whole new appraisal? In a field review we will go out and check the subject and comps in question. 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.

Do you need a retrospective review of an appraisal report? Appraisals by Harris can help you with that. While typically requested by banks, you may desire to utilize this service if you suspect mortgage fraud related to your property.