Ordering an appraisal from Mid-Ohio Appraisal Services

To many, an appraisal just looks like another fee on the break-sheet for a home purchase or refinance. Almost all lenders still want a local expert because the stakes are so high, even though there are a multiplying number of automated home valuation methods that may seem less expensive than an appraisal. But is obtaining a mortgage the only reason to acquire an appraisal? Are there additional times when the services of a certified, independent real estate professional could be beneficial? Of course.


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Challenge your tax assessment in Licking County

If you live in an area where the value of property has declined, it's possible you're paying too much in property taxes. When building your case, an appraisal from Mid-Ohio Appraisal Services is your best evidence. We're capable of assisting you in appealing your tax assessment.

PMI removal will lower your mortgage payment

Private Mortgage Insurance, or PMI, is an additional insurance plan that almost all lenders ask homeowners to purchase when the amount being loaned to the buyer is more than 80% of the actual value of the property. This added payment is often lumped into the monthly mortgage payment and is quickly forgotten. This is bad because PMI becomes unnecessary when the leftover balance of the loan - whether through market appreciation or principal pay down - decreases below the 80% mark. In fact, the United States Congress passed a law in 1998 (the Homeowners Protection Act of 1998) that requires lenders to do away with the PMI payments when the loan-to-value ratio conditions have been met.

Mid-Ohio Appraisal Services will produce a statement regarding the value of your home, and the price you paid for the appraisal can usually be regained in just a few months because you'll no longer be paying the PMI.

An appraisal from Mid-Ohio Appraisal Services will help you settle a divorce with less stress

A divorce is an especially heartbreaking experience for the parties involved, and it is often even more complicated by the strenuous decision of who gets the house. Regardless of the situation, it's a good idea to get an appraisal from Mid-Ohio Appraisal Services so both parties are fully aware of the true market value of their home.

The parties will have a a good idea of what price to set, if they want to sell the home. And on the flip side, if a "buyout" is the chosen option, both parties will feel like they've received a fair evaluation.

Fair and accurate estate liquidation

The death of a loved one is a hard time in life, and settling an estate from a death, or probate, often calls for an appraisal to establish Market Value for the real estate involved. We guarantee the maximum degree of discretion, as we're bound with confidentiality by the ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP).

Unlike wealthy individuals, most Americans don't have dedicated estate planners or executors to take care of these matters. And seeing that a home or other property often makes up an unequal share of the total estate value, understanding the precise value of the real estate at hand is of significant importance to ensuring disputing parties leave knowing they've received a fair deal.

Relocating to or from Licking County

We understand the stress involved with an employee relocation. That being said, we take great care in establishing a convenient appointment time for the appraisal inspection. We encourage relocating employees to provide input on the positive characteristics of their property, along with information about any new sales or listings in their neighborhood that they want considered during our intensive process.

Let Mid-Ohio Appraisal Services help you sell your home quickly at the right price

Whether you want to sell your home on your own or with the help of a real estate agent, a professional appraisal can help you make a better educated decision regarding your asking price. Unlike a real estate agent, an appraiser has no vested interest in what price the house sells for. Our fees are calculated on our efforts to finish the appraisal report and not a percentage of the sales price.

We analyze the difference in value things like an extra bathroom or a kitchen remodel can make on a daily basis. And we're experts in knowing how long properties are on the market. So, getting a professional appraisal is a trusted way to determine what improvements will add value and what a suitable sales price is for your home so you don't come up short or have your house on the market for an extended amount of time.