Appraisal services for Cleveland and Cuyahoga County homeowners

Here are the top 7 reasons OH homeowners use Tabitha Stephens Appraiser and Consultant:

  1. Get a pre-listing appraisal (whether they're selling the home themselves or using an agent)
  2. Challenge a property tax assessment
  3. To cut a mortgage payments by removing PMI
  4. To reinstate your Home Equity Line of Credit (or HELOC)
  5. Verify another appraiser's report
  6. If real estate needs to be divided because of a divorce
  7. Determine the true market value of property in question to settle an estate in OH

Do you own a house in or near Cleveland? Do you need help deciding the value of your real estate?
Contact Tabitha Stephens Appraiser and Consultant.

We at Tabitha Stephens Appraiser and Consultant understand the particular needs of a homeowner after appraisal services. While our typical 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.

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

Since you have an emotional attachment to your own 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. In addition to helping you set a realistic price to sell at so your property will attract many interested buyers, a professional appraisal is very valuable as a negotiating tool once you have an interested buyer. It gives you something concrete to show your buyer. It's an independent third party's opinion of your property's price, and not just you saying how much you think your home is worth. Interested buyers know you have an emotional attachment to your house and will be more likely to give credibility to a professional appraiser's value conclusion than yours.

Need to cancel PMI?

An attractive way to cut costs 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". 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 removed from your loan. Tabitha Stephens Appraiser and Consultant is experienced in helping folks just like you dismiss unneeded and unwanted PMI insurance.

Challenging a property tax assessment

Your local tax assessor may have your home overvalued if your home is not appreciating as much as other properties nearby. That only means you are paying more taxes than you should. Since your property assessment may likely go up again in the next period, the earlier you take care of a matter like this, the better off you'll be. Getting an appraisal report from Tabitha Stephens Appraiser and Consultant is your strongest weapon when challenging your property tax assessment.

HELOC recently frozen?

Even if your specific property has not declined in value, your lender just might choose to automatically freeze your home equity line of credit (HELOC) if your property is close to a declining area. This can be be bad for your credit score since it may appear as though that credit line is maxed out, and also disadvantageous from a cash flow viewpoint. An efficient appraisal from Tabitha Stephens Appraiser and Consultant can help you reinstate your HELOC.

Do You Need Field and Desktop Appraisal Review Services?

Do you need a seasoned professional to double-check your appraisal for accuracy, or do you need a second opinion without the added expense and delay of waiting for a whole new appraisal? We can go out and check the subject and comparables in a field review. If you need it immediately, 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? Tabitha Stephens Appraiser and Consultant can help you with that. While usually requested by banks, you may wish to make use of this service if you suspect mortgage fraud related to your house.