Appraisal services for Lancaster and Fairfield County homeowners

Here are the top seven reasons why OH homeowners hire Village Appraisal Ltd.:

Find the right listing price (whether they're selling the home themselves or using a real estate agent)
Challenge a property tax assessment
Remove PMI to cut their monthly mortgage payment
Reinstate your Home Equity Line of Credit (HELOC)
To review another appraiser's report for verification
In the case of a OH divorce, where real estate property needs to be divided
To settle an estate in OH by determining the true market value of real estate in question

Need help deciding the value of your house in or near Lancaster, OH?
Contact Village Appraisal Ltd..

At Village Appraisal Ltd., we understand the unique needs of a customer looking for appraisal services. While our usual business clients understand the appraisal process and standard reporting formats, you as a consumer will get extra 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)

It's very hard to be objective about your home because of your emotional attachment to it. Our professional appraisers at Village Appraisal Ltd. are objective. We won't just tell you what you want to hear, we will tell you what you need to know. In addition to helping you set a realistic price to sell at so your property will attract many interested buyers, a professional appraisal is a crucial negotiating tool once you have a likely buyer. The appraisal is something tangible to show the buyer. It's an independent third party's opinion of your home's value, and not just how much you think your home is worth. Potential buyers assume you have an emotional attachment to your house and will be much more likely to give credibility to an expert appraiser's value judgement than yours.

Need to remove PMI?

Getting the PMI (Private Mortgage Insurance) removed from your mortgage loan is a popular way to save money for homeowners. Your monthly payments will go down once your mortgage loan amount is down below 80% of the value of your property. In most cases you can apply to your lender to have the PMI canceled from your loan. Village Appraisal Ltd. is seasoned in helping folks just like you abolish unwanted PMI insurance.

Challenging property tax assessments

Lets say your home is not appreciating as much as other homes close by -- your local tax assessor may have your house overvalued. 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 sooner you take care of things like this, the better. A professional appraisal from Village Appraisal Ltd. is your number one weapon when challenging your property tax assessment.

Was your HELOC recently frozen?

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

We Provide Field and Desktop Appraisal Review Services

Have you just received a copy of your appraisal and you'd prefer to have a professional double-check it for accuracy or do you want a second opinion without the charge and delay of waiting for a whole new appraisal? In a field review we will go out and check the subject and comparables in question. If you need it ASAP, 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? Village Appraisal Ltd. can help with that too. Even though this is typically requested by banks, you may want to take advantage of this service if you suspect mortgage fraud related to your house.