There are lots of reasons consumers call on American Valuation Group

Thousands of people in Indiana purchase, sell or refinance their home every year. A lot of these transactions contain a simple line item for an appraisal. Even though there are a multiplying number of automated home valuation systems that may appear to be less expensive than an appraisal, nearly all lenders still want a local expert because the stakes are so high. You might think that getting a mortgage is the only basis for getting an appraisal, but there are other instances when the services of a licensed, independent real estate professional could be beneficial.


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Appeal your tax assessment in Porter County

If you reside in an area where property values have depreciated, it's possible you're paying too much in property taxes. An appraisal from American Valuation Group is your best evidence when building your case. At American Valuation Group, we're equipped to assist you in disputing your tax assessment.

PMI removal to lower your mortgage payment

Private Mortgage Insurance, or PMI, is an additional insurance plan that almost all lenders ask home buyers to buy when the amount being loaned to the home buyer is more than 80% of the actual value of the property. Most often, this extra payment is lumped into the monthly mortgage payment and is soon forgotten. PMI isn't required when the leftover balance of the loan - whether through market appreciation or principal pay down - falls below the 80% mark, making this very unfavorable. In fact, the Homeowners Protection Act (HPA) of 1998 was passed by the United States Congress that requires lenders to dismiss the PMI installments when the balance is paid down to 78% of the original value.

American Valuation Group will provide you with a statement regarding the value of your home, and the expense of the appraisal can usually be recovered in little time because you'll no longer be paying the PMI.

Settling a divorce with less stress

A divorce is an especially traumatic ordeal for the parties involved, and it is often even more complicated by the troublesome decision of who keeps the house. Regardless of the circumstances, it's prudent to get an appraisal from American Valuation Group so both parties are completely aware of the true market value of their house.

The parties will have a clearer picture of what price to set, if they need to sell the home. And if a "buyout" is the chosen option, both parties will feel like they've gotten a fair evaluation.

Accurate and fair estate liquidation

The loss of a loved one is a hard time in life, and settling an estate from a death, or probate, often calls for an appraisal to establish Market Value for the residential property involved. We guarantee the maximum degree of discretion, as we're bound with confidentiality by the ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP).

Most Americans don't have dedicated estate planners or executors to handle these issues, unlike wealthy individuals. And seeing that a home or other property often makes up a disproportionate share of the total estate value, understanding the precise value of the real estate at hand is of significant importance to ensuring disputing parties walk away knowing they've gotten a fair deal.

Let American Valuation Group help you with relocating to or from Porter County

We are familiar with the stress involved with an employee relocation. That being said, we take great care in setting up a convenient appointment time for the appraisal inspection. We encourage relocating employees to provide feedback on the positive attributes of their property, as well as information regarding any new sales or listings in their neighborhood that they want considered during our intensive process.

Don't sell out for too little or keep your home on the market too long.

A professional appraisal will help you make a better educated decision regarding your asking price, whether you want to sell your home on your own or use the assistance of a real estate agent. An appraiser has no vested interest in what price the house sells for, which is different than the interest of real estate agents. Our fees are derived from our efforts to finish the appraisal report and and aren't related to the sales price.

On a daily basis, we examine the difference in value things like an extra bathroom or a kitchen remodel can make. And we're experts in knowing how long homes stay on the market. So, getting a professional appraisal is a trusted way to decide what improvements will add value and what an appropriate sales price is for your home so you don't come up short or have your house on the market too long, costing you time and money.