Attention homeowners: Real estate appraisal services for in Lancaster and Fairfield County
The top reasons OH homeowners use Village Appraisal Ltd.:
Do you own a home in or near Lancaster? Do you need help determining the price of your real estate?
We at Village Appraisal Ltd. understand the special needs of a homeowner seeking appraisal services. Our business practices and reporting formats are familiar to our business clients like lenders, attorneys, and accountants. But as a general consumer,we'll be sure you get extra guidance and explanations through the appraisal process to better understand what we do and how we present our conclusions.
For Sale By Owner (FSBO)/Pre-Listing Services
It's very hard to be objective about your house because you most likely have an emotional attachment to it. Professional appraisers, like the ones at Village Appraisal Ltd., will be objective. We 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 a likely buyer, in addition to helping you set a realistic selling price so your property will attract many interested buyers. It gives you something tangible to show your buyer. It's an independent third party's opinion of your house's value, and not just you saying how much your house is worth. Interested buyers know that you have an emotional attachment to your house and will be far more likely to give credibility to an experienced appraiser's value opinion than yours.
Need to remove PMI?
A preferred way to save money for homeowners is to get the PMI removed from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". 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 removed from your loan, which will make your monthly payments go down. We're veterans in helping clients just like you delete unneeded PMI insurance.
Challenging Fairfield county's assessment of your property
Lets say your home is not appreciating as much as other houses close by -- your local tax assessor may have your house overvalued. That means you're probably paying more taxes than you should. The sooner you take care of things like this, the better, since your property assessment may likely go up again in the next period. An expert appraisal from Village Appraisal Ltd. is your best weapon when contesting your property tax assessment.
HELOC recently frozen?
If your home is close to a declining area, your lender just may make the decision to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can be 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 viewpoint. An efficient appraisal from Village Appraisal Ltd. can help you reinstate your HELOC.
We Provide Field and Desktop Appraisal Review Services
Would you prefer a second opinion without the added expense and delay of waiting for a whole new appraisal? Or do you need a seasoned appraiser to double-check your appraisal for preciseness? 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.
Need a retrospective review of an appraisal report? We can We can assist you Even though this is usually requested by banks, you may wish to use this service if you suspect mortgage fraud related to your house.