Attention homeowners in Michigan City and La Porte County: Need an appraisal?

Here are the top 7 reasons why Indiana homeowners order from Millsap Appraisal Service:

1. Get a pre-listing appraisal (whether you're using a real estate agent or selling the home on your own)
2. Challenge La Porte County's assessment of your property value
3. To cut a mortgage payment by removing PMI
4. Reinstate your Home Equity Line of Credit (HELOC)
5. Verify another appraiser's report
6. In the case of a divorce in the state of Indiana, when real estate property needs to be divided
7. Settle an estate in Indiana by determining the true market value of real estate

	Own a home in or near Michigan City, Indiana and need help determining the price of it? Contact Millsap Appraisal Service.

We at Millsap Appraisal Service understand the individual needs of a consumer in need of appraisal services. Our business practices and reporting formats are familiar to our business clients like lenders, lawyers, and CPAs. But as a consumer, we will give you extra guidance and explanations through the appraisal process to better understand what we do and how we document the results of our analysis.

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

Since you have an emotional attachment to your home, 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 selling price so your house will attract many interested buyers. It's something tangible to show your buyer. An appraisal is an independent third party's opinion of your property's value -- not just you saying how much you think your house is worth. Interested buyers know that you have an emotional attachment to your house and will be much more likely to give credibility to an experienced appraiser's value opinion than yours.

Challenge a property tax assessment

Let's say you live in an area that is declining -- your local tax assessor may have your house overvalued. That only means you are going to pay more taxes than you should. Since your property assessment may likely go up again in the next period, the faster you take care of things like this, the better. A professional appraisal from Millsap Appraisal Service is your number one weapon when contesting your property tax assessment.

Need to cancel PMI?

PMI stands for Private Mortgage Insurance. A preferred way to cut costs for homeowners is getting the PMI removed from their mortgage loan, thus saving them money on their monthly payments. Your monthly payments will go down once your mortgage loan is down below 80% of the value of your home. In most cases you can apply to a lender to have the PMI canceled from your loan. We're qualified in helping customers just like you delete undesirable PMI insurance.

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 in a declining area -- even if your specific property has not declined in value. This can be annoying from a cash flow standpoint, and bad for your credit score since it may appear as though that credit line is maxed out. Millsap Appraisal Service can help you reinstate your home equity line of credit with efficient appraisal.

We Provide Field and Desktop Appraisal Review Services

Do you need a veteran appraiser to double-check your appraisal for verity, or do you want a second opinion without the added cost and delay of waiting for a whole new appraisal? We can go out and check the subject and comparables in a field review. If you need it ASAP, 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 retrospective review of any appraisal you may have in your possession. While typically requested by banks, you may wish to exercise this service if you suspect mortgage fraud related to your home.