Attention homeowners: Real estate appraisal services for in Cincinnati and Hamilton County

Here are the top reasons OH homeowners order from Heartland Appraisal:

Find the right listing price (whether you're using an agent or selling the home on your own)
Challenge a property tax assessment
To reduce your mortgage payment by removing PMI
To reinstate your Home Equity Line of Credit (or HELOC)
Verify another appraiser's report
If real estate needs to be divided because of a divorce
Settle an estate in OH by determining the true market value of property in question

Need help deciding the value of your house in or near Cincinnati, OH?
Contact Heartland Appraisal.

We at Heartland Appraisal 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 customer service in the form of an explanation of the process and even special consumer-friendly reporting forms if the assignment allows for them.

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

It's very hard to be objective about your home because of your emotional attachment to it. Professional appraisers, like the ones at Heartland Appraisal, will be objective. We'll 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 home will attract many interested buyers, a professional appraisal is very valuable as a negotiating tool once you have a likely buyer. The appraisal is something concrete to show the buyer. The appraisal is an independent third party's opinion of your property's price, not just how much your home is worth. Potential buyers assume you have an emotional attachment to your house and will be more likely to give credibility to a qualified appraiser's value judgement than yours.

Appraisals to remove PMI

Getting the PMI (Private Mortgage Insurance) canceled from your mortgage loan is an attractive money saver for homeowners. Your monthly payments will go down once your mortgage loan is less than 80% of the value of your property. In most cases you can apply to a lender to have the PMI removed from your loan. We are veterans in helping customers just like you do away with unwanted PMI insurance.

Challenge property tax assessments

Your local tax assessor may have your home overvalued if you live in a local area that is declining or is not appreciating as much as other houses nearby. This means you're paying higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the faster you take care of things like this, the better off you'll be. When contesting your property tax assessment, getting a professional appraisal from Heartland Appraisal is your #1 weapon.

HELOC recently frozen?

Even if your specific property has not declined in value, your lender may make the decision to automatically freeze your home equity line of credit (HELOC) if your house is close to a declining area. This can this be difficult and inconvenient from a cash flow viewpoint, and detrimental to your credit score since it may appear as though that credit line is maxed out. Heartland Appraisal can provide you with efficient appraisal to help you reinstate your home equity line of credit.

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 verity or do you want a second opinion without the added cost and delay of waiting for a whole new appraisal? In a field review we'll go out and check the subject and comps. 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.

We can also provide you with a a retrospective review of any appraisal you may have in your possession. Even though this is typically requested by banks, you may desire to exercise this service if you suspect mortgage fraud related to your house.