Appraisal services for Brecksville and Cuyahoga County homeowners
The top 7 reasons OH homeowners use Aspen Appraisal Services:
Own a house in or near Brecksville, OH and need help deciding the price of it?
At Aspen Appraisal Services, we understand the unique needs of a homeowner after appraisal services. Our business practices and reporting formats are relatively routine to our business clients like banks, attorneys, and accountants. But as a general consumer,you'll receive extra guidance and explanations through the appraisal process to more fully understand what we do and how we document our conclusions.
For-Sale-By-Owner (FSBO) / Pre-Listing Services
It's very hard to be objective about your own home because you probably have an emotional attachment to it. The professional appraisers at Aspen Appraisal Services will tell you what you need to know -- not just what you want to hear. We are objective. In addition to helping you set a realistic price to sell at so your home will attract interested buyers, a professional appraisal is very important as a negotiating tool once you have a likely buyer. The appraisal is something concrete to show the buyer. It's an independent third party's opinion of your property's value, and not just how much your home is worth. Potential buyers know that you have an emotional attachment to your house and will be far more likely to give credibility to an expert appraiser's value opinion than yours.
Appraisals to remove PMI
PMI stands for Private Mortgage Insurance. A popular money saver for homeowners is to get the PMI removed from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan is down below 80% of the value of your property, in most cases you can apply to the lender to have the PMI removed from your loan, which will make your monthly payments go down. We are seasoned in helping consumers just like you abolish unwanted and unneeded PMI insurance.
Challenging property tax assessments
Your local tax assessor may have your house overvalued if your house not appreciating as much as other houses nearby. This means you are paying higher taxes than you should be paying. The sooner 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. An appraisal from Aspen Appraisal Services is your number one weapon when challenging your property tax assessment.
HELOC recently frozen?
If your house is in a declining area, your lender just might choose to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. Not only can this be annoying from a cash flow standpoint, but it can be detrimental to your credit score since it may appear as though that credit line is maxed out. An efficient appraisal from Aspen Appraisal Services can help you reinstate your HELOC.
Field and Desktop Appraisal Review Services
Do you need an expert to double-check your appraisal for efficiency, or do you desire a second opinion without the added cost and delay of waiting for a whole new appraisal? In a field review we will go out and check the subject and comps. Or, if you're in a rush, we can provide desk review and verify as many facts as we can using online data sources as well as our own files.
Do you need a retrospective review of an appraisal? Aspen Appraisal Services can help with that too. Even though this is usually requested by banks, you may desire to take advantage of this service if you suspect mortgage fraud related to your house.