Need an appraisal in Butler, Champaign, Darke, Greene, Hamilton, Logan, Miami, Montgomery, Shelby, Warren County of Ohio or Boone, Campbell, Kenton County of Kentucky?
The top 7 reasons OH homeowners order from The Fourman Group:
Do you own a home in or near the aforementioned counties? Do you need help deciding the value of your real estate?
At The Fourman Group, we understand the unique needs of a homeowner after appraisal services. While our usual business clients understand the appraisal process and standard reporting formats, you as a consumer will get an extra level of customer service in the form of an explanation of the process and even special consumer-friendly reporting forms if the assignment allows for them.
For Sale By Owner (FSBO)/Pre-Listing Services
Since you have an emotional attachment to your house, 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. A professional appraisal is very crucial as a negotiating tool once you have an attainable buyer, in addition to helping you set a realistic selling price so your house will attract buyers. It's something concrete to show your buyer. An appraisal is an independent third party's opinion of your property's value -- not just how much your home is worth. Interested buyers assume you have an emotional attachment to your house and will be far more likely to give credibility to an accomplished appraiser's value estimation than yours.
Need to remove PMI?
A preferred money saver for homeowners is to get the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Once your mortgage loan amount is down below 80% of the value of your house, in most cases you can apply to a lender to have the PMI canceled from your loan, which will make your monthly payments go down. We're veterans in helping clients just like you rid themselves of unneeded and unwanted PMI insurance.
Challenge property tax assessments
Your local tax assessor may have your house overvalued if you live in an area that's going down. This only means you are most likely paying higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the earlier you take care of things like this, the better. Getting an appraisal report from The Fourman Group is your best weapon when contesting your property tax assessment.
HELOC recently frozen?
Your lender might just decide to automatically freeze your home equity line of credit (HELOC) if your property is close to a declining area -- even if your specific property has not declined in value. Not only can this be unsuitable from a cash flow viewpoint, but it can be harmful to your credit score since it may appear as though that credit line is maxed out. The Fourman Group can help you reinstate your HELOC.
Do You Need Field and Desktop Appraisal Review Services?
Do you need a veteran appraiser to double-check your appraisal for efficiency, or do you desire a second opinion without the charge and delay of waiting for a whole new appraisal? An appraiser from The Fourman Group can go out and check the subject and comps in question in a field review. If you need it immediately, we'll 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 report? The Fourman Group can assist you. Even though this is usually requested by banks, you may desire to use this service if you suspect mortgage fraud related to your home.