Real estate appraisal services for homeowners in the city of Marengo and Morrow County
See the top seven reasons why Ohio homeowners hire Joseph A.Porter & Associates:
At Joseph A.Porter & Associates, we understand the individual needs of a homeowner seeking appraisal services. Our regular business clients are used to the appraisal process and the standard "products" we deliver to them. Being a regular consumer that ordinarily doesn't see an appraisal every day, you can expect 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/Pre-Listing ServicesIt's very hard to be objective about your own 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 selling price so your property will attract buyers, a professional appraisal is very valuable as a negotiating tool once you have an interested buyer. It's something tangible to show your buyer. It's an independent third party's opinion of your property's value, and not just how much you think your house is worth. Potential buyers know that you have an emotional attachment to your home and will be far more likely to give credibility to a seasoned appraiser's value judgement than yours.
Challenging Morrow County's assessment of your propertyIf you live in a region that is declining or not appreciating as much as other houses nearby, your local tax assessor may have your home overvalued. That only means you are most likely paying more taxes than you should. The earlier you take care of a matter like this, the better off you'll be, since your property assessment may likely go up again in the next period. When challenging your property tax assessment, getting a professional appraisal from Joseph A.Porter & Associates is your perfect weapon.
Need to remove PMI?Getting the PMI (Private Mortgage Insurance) removed from your mortgage loan is a preferred way to cut costs for homeowners. Your monthly payments will go down once your mortgage loan amount is below 80% of the value of your house. In most cases you can apply to a lender to have the PMI removed from your loan. We're experienced in helping consumers just like you abolish unneeded PMI insurance.
HELOC recently frozen?Your lender just might choose to automatically freeze your home equity line of credit (HELOC) if your house is near a declining area -- even if your specific property has not declined in value. This can be unfavorable to your credit score since it may appear as though that credit line is maxed out, and also troublesome from a cash flow viewpoint. Joseph A.Porter & Associates can provide you with a professional appraisal that will help you reinstate your home equity line of credit.
Field and Desktop Appraisal Review ServicesHave you just accepted a copy of your appraisal and you'd wish to have a professional double-check it for efficiency or do you want a second opinion without the charge and delay of waiting for a whole new appraisal? An appraiser from Joseph A.Porter & Associates can go out and check the subject and comparables in question in a field review. If you need it in a rush, we'll provide you with a 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? Joseph A.Porter & Associates can help you with that. While usually requested by banks, you may need to use this service if you suspect mortgage fraud related to your house.