Attention homeowners: Real estate appraisal services for in Youngstown and Mahoning County
Here are the top seven reasons Ohio homeowners order from Houston Appraisals LLC:
We at Houston Appraisals LLC understand the individual needs of a homeowner seeking appraisal services. Our customary business clients understand the appraisal process and the standard documents we provide. But as a general consumer, you will receive extra guidance and explanations through the appraisal process to more clearly understand what we do and how we report the results of our analysis.
For Sale by Owner (FSBO)/Pre-Listing ServicesSince you have an emotional attachment to your own home, it's often very hard to be objective about it. A professional appraiser is objective and will 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 home will attract interested buyers, a professional appraisal is very valuable as a negotiating tool once you have a likely buyer. It gives you something tangible to show the buyer. An appraisal is an independent third party's opinion of your house's value -- not just how much your home is worth. Potential buyers assume that you have an emotional attachment to your home and will be much more likely to give credibility to a seasoned appraiser's value opinion than yours.
Challenging Mahoning County's assessment of your propertyIf you live in a local area that is going down or not appreciating as much as other houses nearby, your local tax assessor may have your home overvalued. That only means you're 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 a matter like this, the better. Getting a professional appraisal from Houston Appraisals LLC is your strongest weapon when challenging your property tax assessment.
Appraisals to cancel PMIGetting the PMI (Private Mortgage Insurance) removed from your mortgage loan is an attractive way to save money for homeowners. Once your mortgage loan amount is less than 80% of the value of your house, in most cases you can apply to your lender to have the PMI canceled from your loan, which will make your monthly payments go down. At Houston Appraisals LLC, we're veterans in helping homeowners just like you delete unnecessary PMI insurance.
HELOC recently frozen?Even if your specific property has not declined in value, your lender just might make the decision to automatically freeze your home equity line of credit (HELOC) if your property is near a declining area. This can be disadvantageous from a cash flow point of view, and damaging to your credit score since it may appear as though that credit line is maxed out. Houston Appraisals LLC can provide you with a professional appraisal to help you reinstate your home equity line of credit.
We Also Provide Field and Desktop Appraisal Review ServicesDo you need a seasoned appraiser to double-check your appraisal for efficiency, or do you want a second opinion without the added expense and delay of waiting for a whole new appraisal? Houston Appraisals LLC offers field reviews where we'll go out and check the subject and comps. If you're in a hurry, we'll provide desk review and verify as many facts as we can, using online data sources as well as our own files.
We can also provide a retrospective review of any appraisal you may have in your possession. While typically requested by banks, you may need to utilize this service if you suspect mortgage fraud related to your property.