Appraisal services for Cincinnati and Hamilton County homeowners
Here are the top seven reasons why Ohio homeowners hire Augustine, Inc.:
At Augustine, Inc., we understand the unique needs of a customer in need of appraisal services. Our regular business clients understand the appraisal process and the customary reporting formats. Being a homeowner that probably doesn't see an appraisal on a regular basis, we'll be sure you get extra guidance and explanations through the appraisal process to understand what we do and how we present the results of our analysis.
Pre-listing Services/For Sale by Owner (FSBO)Since you have an emotional attachment to your own home, it's often very hard to be objective about it. Our professional appraisers at Augustine, Inc. are objective. We won't just tell you what you want to hear, we'll tell you what you need to know. In addition to helping you set a realistic selling price so your property will attract interested buyers, a professional appraisal is very important as a negotiating tool once you have an interested buyer. The appraisal is something tangible to show the buyer. It's an independent third party's opinion of your property's value, and not just how much your house is worth. Potential buyers know you have an emotional attachment to your home and will be more likely to give credibility to a professional appraiser's value estimation than yours.
Challenging a property tax assessmentYour local tax assessor may have your home overvalued if you live in a local area that's going down or is not appreciating as much as other houses nearby. That means you're going to pay 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 off you'll be. An appraisal report from Augustine, Inc. is your #1 weapon when contesting your property tax assessment.
Appraisals to cancel PMIGetting the PMI (Private Mortgage Insurance) eliminated from your mortgage loan is a popular way to cut costs for homeowners. Your monthly payments will go down once your mortgage loan amount is down below 80% of the value of your property. In most cases you can apply to the lender to have the PMI eliminated from your loan. Augustine, Inc. is qualified in helping customers just like you remove unneeded PMI insurance.
HELOC recently frozen?Your lender just might decide to automatically freeze your home equity line of credit (HELOC) if your home is close to a declining area -- even if your specific property has not declined in value. This can be harmful to your credit score since it may appear as though that credit line is maxed out, and also annoying from a cash flow standpoint. Augustine, Inc. can help you reinstate your home equity line of credit with efficient appraisal.
We Offer Field and Desktop Appraisal Review ServicesDo you need a seasoned appraiser to double-check your appraisal for accuracy, or do you need a second opinion without the charge and delay of waiting for a whole new appraisal? In a field review we'll go out and check the subject and comparables in question. Or, if you need it 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? Augustine, Inc. can help you with that. While usually requested by banks, you may wish to take advantage of this service if you suspect mortgage fraud related to your property.