Attention homeowners in Martinsville and Morgan County: Get an Appraisal today!

The top 7 reasons IN homeowners use Dan Ferran and Associates:

Get a pre-listing appraisal (whether they're selling the home themselves or using a real estate agent)
Challenge a property tax assessment
Remove PMI to lower your mortgage payments
Reinstate their Home Equity Line of Credit (HELOC)
Review a different appraiser's report for verification
In the case of a IN divorce, when real estate property needs to be divided
Settle an estate in IN by determining the true market value of property in question

Do you own a house in or near Martinsville? Do you need help deciding the value of your real estate?
Contact Dan Ferran and Associates.

At Dan Ferran and Associates, we understand the particular needs of a customer seeking 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 own home because you probably have an emotional attachment to it. Our professional appraisers at Dan Ferran and Associates are objective. We won't just tell you what you want to hear, we will tell you what you need to know. In addition to helping you set a realistic selling price so your property will attract buyers, a professional appraisal is very crucial as a negotiating tool once you have an attainable buyer. It's something tangible to show your buyer. It's an independent third party's opinion of your home's price, and not just how much you think your home 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 report than yours.

Appraisals to remove PMI

A fashionable way to cut costs for homeowners is getting the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Your monthly payments will go down once your mortgage loan is less than 80% of the value of your property. In most cases you can apply to the lender to have the PMI removed from your loan. We are qualified in helping folks just like you abolish unwanted and unneeded PMI insurance.

Challenging a property tax assessment

Lets say your home is not appreciating as much as other homes close to yours -- your local tax assessor may have your house overvalued. That means you are paying more taxes than you should. Since your property assessment may likely go up again in the next period, the sooner you take care of things like this, the better. A professional appraisal from Dan Ferran and Associates is your strongest weapon when contesting your property tax assessment.

HELOC recently frozen?

Your lender might choose to automatically freeze your home equity line of credit (HELOC) if your house is in or near a declining area -- even if your specific property has not declined in value. This can this be inopportune from a cash flow viewpoint, and detrimental to your credit score since it may appear as though that credit line is maxed out. Dan Ferran and Associates can help you reinstate your HELOC.

Field and Desktop Appraisal Review Services

Would you prefer a second opinion without the expense and delay of waiting for a whole new appraisal? Or do you need a seasoned expert to double-check your appraisal for preciseness? Dan Ferran and Associates offers field reviews where we'll go out and check the subject and comparables 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? We can help you with that While usually requested by banks, you may want to exercise this service if you suspect mortgage fraud related to your home.