Need an appraisal in Lakewood or Cuyahoga County?

Here are the top reasons OH homeowners need Habitat Appraisal Ltd.:

To get a pre-listing appraisal (whether they're selling the home on their own or using a real estate agent)
Challenge a property tax assessment
To lower a monthly mortgage payment by removing PMI
To reinstate your Home Equity Line of Credit (or HELOC)
Verify another appraiser's report
In the case of a OH divorce, when property needs to be divided
To determine the true market value of real estate in question to settle an estate in OH

Own a house in or near Lakewood, OH and need help determining the price of it?
Contact Habitat Appraisal Ltd..

At Habitat Appraisal Ltd., we understand the special needs of a customer in need of appraisal services. Our usual business clients get the appraisal process and the customary documents we provide. Being a consumer that ordinarily doesn't see an appraisal on a regular basis,you will receive extra guidance and explanations through the appraisal process to better understand what we do and how we document the results of our analysis.

For Sale By Owner (FSBO)/Pre-Listing Services

Since you have an emotional attachment to your home, it's often very hard to be objective about it. Professional appraisers, like the ones at Habitat Appraisal Ltd., are objective. We 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 a very valuable negotiating tool once you have a likely buyer. It gives you something tangible to show the 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 assume that you have an emotional attachment to your home and will be more likely to give credibility to an accomplished appraiser's value judgement than yours.

PMI Removal Appraisals

PMI stands for Private Mortgage Insurance. A popular way to save money for homeowners is getting the PMI removed from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan is below 80% of the value of your home, in most cases you can apply to your lender to have the PMI eliminated from your loan, which will make your monthly payments go down. We are experts in helping people just like you remove unwanted PMI insurance.

Challenging Cuyahoga county's assessment of your property

Your local tax assessor may have your house overvalued if you live in a region that's declining. That only means you're most likely paying more taxes than you should. Since your property assessment may likely go up again in the next period, the sooner you take care of things like this, the better. When contesting your property tax assessment, getting an appraisal report from Habitat Appraisal Ltd. is your chief weapon.

Was your HELOC recently frozen?

Even if your specific property has not declined in value, your lender might just decide to automatically freeze your home equity line of credit (HELOC) if your property is close to a declining area. This can be be destructive to your credit score since it may appear as though that credit line is maxed out, and also annoying from a cash flow standpoint. Habitat Appraisal Ltd. can help you reinstate your home equity line of credit with an expert appraisal.

We Offer Field and Desktop Appraisal Review Services

Have you just gotten a copy of your appraisal and you would prefer to have a veteran appraiser double-check it for verity or do you desire a second opinion without the cost and delay of waiting for a whole new appraisal? In a field review we'll go out and check the subject and comps. Or, if you need it ASAP, we can 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? Habitat Appraisal Ltd. can help you with that. Even though this is typically requested by banks, you may wish to exercise this service if you suspect mortgage fraud related to your house.