Need an appraisal in Valparaiso or Porter County?

Here are the top reasons IN homeowners hire Newton & Associates:

Pre-listing appraisals (whether they're selling the home themselves or using an agent)
Challenge property tax assessments
Remove PMI to lower a monthly mortgage payment
To reinstate your Home Equity Line of Credit (or HELOC)
To review another appraiser's report for verification
In the case of a IN divorce, where real estate property needs to be divided
To determine the true market value of real estate in question to settle an estate in Porter County or the state of IN

Own a home in or near Valparaiso, IN and need help determining the value of it?
Contact Newton & Associates.

At Newton & Associates, we understand the unique needs of a homeowner seeking appraisal services. Our business practices and reporting formats are relatively routine to our business clients like lenders, lawyers, and CPAs. But as a consumer,you'll receive extra guidance and explanations through the appraisal process to more fully understand what we do and how we report our findings.

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

It's very hard to be objective about your own home because you probably have an emotional attachment to 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 interested buyer, in addition to helping you set a realistic price to sell at so your home will attract interested buyers. It gives you something tangible to show the buyer. It's an independent third party's opinion of your home's price, and not just how much you think your house is worth. Potential buyers know that you have an emotional attachment to your house and will be far more likely to give credibility to a qualified appraiser's value report than yours.

PMI Removal Appraisals

PMI stands for Private Mortgage Insurance. A popular way to save money 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 below 80% of the value of your property. In most cases you can apply to a lender to have the PMI eliminated from your loan. Newton & Associates is experts in helping consumers just like you dismiss undesirable PMI insurance.

Challenge Porter county's assessment of your property

Lets say you live in a local area that is declining -- your local tax assessor may have your house overvalued. That means you are most likely paying more taxes than you should. Since your property assessment may likely go up again in the next period, the earlier you take care of things like this, the better. Getting a professional appraisal from Newton & Associates is your chief weapon when challenging your property tax assessment.

Was your HELOC recently frozen?

Even if your specific property has not declined in value, your lender just may decide to automatically freeze your home equity line of credit (HELOC) if your house is in a declining area. Not only can this be difficult from a cash flow viewpoint, but it can be bad for your credit score since it may appear as though that credit line is maxed out. Newton & Associates can help you reinstate your HELOC.

Do You Need Field and Desktop Appraisal Review Services?

Have you just received a copy of your appraisal and you would wish to have a seasoned expert double-check it for efficiency or do you need a second opinion without the added expense and delay of waiting for a whole new appraisal? In a field review we'll go out and check the subject and comps. Or, if you need it in a rush, 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 We can assist you While usually requested by banks, you may wish to make use of this service if you suspect mortgage fraud related to your house.