Attention homeowners in Cincinnati and Hamilton County: Need an appraisal?
Here are the top seven reasons Ohio homeowners use Augustine, Inc:
Need help determining the value of your home in or near Cincinnati, Ohio?
At Augustine, Inc, we understand the individual needs of a customer after appraisal services. Our business practices and reporting formats are relatively routine to our business clients like lenders, lawyers, and accountants. But as a consumer,you will receive extra guidance and explanations through the appraisal process to better understand what we do and how we present our conclusions.
For Sale By Owner/Pre-Listing Services
It's very hard to be objective about your house 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. In addition to helping you set a realistic price to sell at so your home will attract interested buyers, a professional appraisal is very crucial as a negotiating tool once you have a likely buyer. It's something concrete to show the buyer. An appraisal is an independent third party's opinion of your home's value -- not just you saying how much you think your house is worth. Potential buyers know that you have an emotional attachment to your house and will be more likely to give credibility to a qualified appraiser's value assessment than yours.
PMI Removal Appraisals
PMI stands for Private Mortgage Insurance. A preferred way to cut costs for homeowners is getting the PMI removed from their mortgage loan, thus saving them money on their monthly payments. Your monthly payments will go down once your mortgage loan amount is less than 80% of the value of your house. In most cases you can apply to the lender to have the PMI canceled from your loan. Augustine, Inc is experts in helping clients just like you dismiss unwanted PMI insurance.
Challenge property tax assessments
Your local tax assessor may have your house overvalued if you live in an area that is going down. This only means you're going to pay higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the quicker you take care of things like this, the better off you'll be. Getting an appraisal from Augustine, Inc is your number one weapon when challenging your property tax assessment.
Recently got a freeze your HELOC?
Even if your specific property has not declined in value, your lender may just decide to automatically freeze your home equity line of credit (HELOC) if your property is close to a declining area. This can this be unsuitable from a cash flow standpoint, and negative on your credit score since it may appear as though that credit line is maxed out. Augustine, Inc can provide you with a professional appraisal to help you reinstate your home equity line of credit.
Field and Desktop Appraisal Review Services
Do you need a professional to double-check your appraisal for precision, or do you need a second opinion without the charge and delay of waiting for a whole new appraisal? An appraiser from Augustine, Inc can go out and check the subject and comps in question in a field review. 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.
We can also provide a retrospective review of any appraisal you may have had in the past. While usually requested by banks, you may desire to utilize this service if you suspect mortgage fraud related to your house.