Attention homeowners in Peru and Miami County: Get an Appraisal today!

See the top reasons IN homeowners need Thomas Kreutzer:

  1. Pre-listing appraisals (whether they're selling the home on their own or using an agent)
  2. Challenge property tax assessments
  3. To reduce their mortgage payment by removing PMI
  4. To reinstate their Home Equity Line of Credit (HELOC)
  5. Verify another appraiser's report
  6. In the case of a IN divorce, where real estate property needs to be divided
  7. To settle an estate in IN by determining the true market value of real estate in question

Do you own a home in or near Peru? Do you need help deciding the value of your real estate?
Contact Thomas Kreutzer.

We at Thomas Kreutzer understand the individual needs of a customer in need of appraisal services. The appraisal process and reporting formats are relatively routine to our business clients like banks, lawyers, and CPAs. Being a person not in the real estate field that ordinarily doesn't see an appraisal on a regular basis,you will receive extra guidance and explanations through the appraisal process to more fully understand what we do and how we document our conclusions.

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

It's very hard to be objective about your house because you most likely have an emotional attachment to it. Our professional appraisers at Thomas Kreutzer are objective. We won't just tell you what you want to hear, we will tell you what you need to know. A professional appraisal is a very valuable negotiating tool once you have a likely buyer, in addition to helping you set a realistic selling price so your property will attract buyers. It's something concrete to show your buyer. It's an independent third party's opinion of your house's price, and not just how much you think your home is worth. Interested buyers know that you have an emotional attachment to your home and will be much more likely to give credibility to a seasoned appraiser's value conclusion than yours.

PMI Removal Appraisals

A fashionable money saver for homeowners is to get the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Once your mortgage loan amount is less than 80% of the value of your property, in most cases you can apply to the lender to have the PMI eliminated from your loan, which will make your monthly payments go down. We're experienced in helping folks just like you remove unwanted PMI insurance.

Challenge Tax Assessment

Lets say your house is not appreciating as much as other homes close to yours -- your local tax assessor may have your house overvalued. That only means you are probably paying more taxes than you should. The faster you take care of things like this, the better off you'll be, since your property assessment may likely go up again in the next period. Getting an expert appraisal from Thomas Kreutzer is your best weapon when challenging your property tax assessment.

HELOC recently frozen?

Even if your specific property has not declined in value, your lender might make the decision to automatically freeze your home equity line of credit (HELOC) if your property is in or near a declining area. This can this be inconvenient from a cash flow angle, and destructive to your credit score since it may appear as though that credit line is maxed out. An expert appraisal from Thomas Kreutzer can help you reinstate your HELOC.

We Also Provide Field and Desktop Appraisal Review Services

Do you need a professional to double-check your appraisal for verity, or do you desire a second opinion without the cost and delay of waiting for a whole new appraisal? Thomas Kreutzer offers field reviews where we'll go out and check the subject and comps in question. Or, if you need it ASAP, 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.

We can also provide you with a a retrospective review of any appraisal report you may have had done before. While usually requested by banks, you may desire to make use of this service if you suspect mortgage fraud related to your property.