Real estate appraisal services for homeowners.

The top 7 reasons IN homeowners use Gloria Ostrowski Appraisals, Inc. :

  1. Pre-listing appraisals (whether you're using a real estate agent or selling the home on your own)
  2. Challenge a property tax assessment
  3. Remove PMI to lower your monthly mortgage payment
  4. Reinstate your Home Equity Line of Credit (HELOC)
  5. Verify another appraiser's report
  6. If real estate property needs to be divided because of a divorce
  7. To settle an estate in IN by determining the true market value of real estate in question

Need help deciding the value of your house in or near Bluffton, IN?
Contact Gloria Ostrowski Appraisals, Inc. .

We at Gloria Ostrowski Appraisals, Inc. understand the particular needs of a homeowner after 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.

For Sale By Owner/Pre-Listing Services

It's very hard to be objective about your home because you most likely have an emotional attachment to it. Professional appraisers, like the ones at Gloria Ostrowski Appraisals, Inc. , are objective. We'll tell you what you need to know, not just what you want to hear. In addition to helping you set a realistic price to sell at so your property will attract many interested buyers, a professional appraisal is very valuable as a negotiating tool once you have a potential buyer. It's something concrete to show the buyer. It's an independent third party's opinion of your property's value, and not just you saying how much your home is worth. Interested buyers assume you have an emotional attachment to your house and will be much more likely to give credibility to an experienced appraiser's value judgement than yours.

PMI Removal Appraisals

PMI stands for Private Mortgage Insurance. A preferred money saver 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 amount is down below 80% of the value of your house. In most cases you can apply to your lender to have the PMI canceled from your loan. Gloria Ostrowski Appraisals, Inc. is experts in helping folks just like you dismiss unnecessary PMI insurance.

Challenge property tax assessments

Your local tax assessor may have your home overvalued if you live in a local area that's declining or not appreciating as much as other properties close by. That means you are most likely paying more taxes than you should. The faster 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. A professional appraisal from Gloria Ostrowski Appraisals, Inc. is your chief weapon when contesting your property tax assessment.

HELOC recently frozen?

Your lender might just choose to automatically freeze your home equity line of credit (HELOC) if your house is in a declining area -- even if your specific property has not declined in value. This can this be annoying from a cash flow viewpoint, and harmful to your credit score since it may appear as though that credit line is maxed out. An efficient appraisal from Gloria Ostrowski Appraisals, Inc. can help you reinstate your HELOC.

Need Field and Desktop Appraisal Review Services?

Would you prefer a second opinion without the cost and delay of waiting for a whole new appraisal? Or do you desire an expert to double-check your appraisal for preciseness? Gloria Ostrowski Appraisals, Inc. offers field reviews where we'll go out and check the subject and comps in question. Or, if you need it immediately, 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.

Need a retrospective review of an appraisal report? We can help with that too. While typically requested by banks, you may wish to utilize this service if you suspect mortgage fraud related to your property.