Appraisal services for Westerville and Delaware County homeowners
The top seven reasons why Ohio homeowners order from Gallagher Appraisals:
We at Gallagher Appraisals understand the unique needs of a consumer seeking appraisal services. Our usual business clients understand the appraisal process and the customary documents we provide. But as a general consumer, we will give you extra guidance and explanations through the appraisal process to better understand what we do and how we report our conclusions.
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. A professional appraiser is objective and will tell you what you need to know, not just what you want to hear. A professional appraisal is very crucial as a negotiating tool once you have an interested buyer, in addition to helping you set a realistic selling price so your property will attract many interested buyers. It gives you something tangible to show your buyer. The appraisal is an independent third party's opinion of your home's value, not just you saying how much you think your home is worth. Interested buyers know that you have an emotional attachment to your home and will be far more likely to give credibility to an expert appraiser's value opinion than yours.
Challenge Tax AssessmentYour local tax assessor may have your home overvalued if you live in an area that is going down or not appreciating as much as other homes close by. This only means you are most likely paying higher taxes than you should be paying. The quicker you take care of a matter like this, the better off you'll be, since your property assessment may likely go up again in the next period. When challenging your property tax assessment, getting an appraisal report from Gallagher Appraisals is your number one weapon.
Appraisals to cancel PMIPMI stands for Private Mortgage Insurance. An attractive money saver for homeowners is getting the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan is less than 80% of the value of your house, 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. At Gallagher Appraisals, we're seasoned in helping clients just like you delete unwanted PMI insurance.
HELOC recently frozen?Your lender might decide to automatically freeze your home equity line of credit (HELOC) if your home is in a declining area -- even if your specific property has not declined in value. This can be damaging to your credit score since it may appear as though that credit line is maxed out, and also difficult and inconvenient from a cash flow angle. Gallagher Appraisals can help you reinstate your home equity line of credit with an expert appraisal.
We Offer Field and Desktop Appraisal Review ServicesWould you like a second opinion without the added cost and delay of waiting for a whole new appraisal? Or do you need a professional to double-check your appraisal for precision? An appraiser from Gallagher Appraisals can go out and check the subject and comparables in a field review. Or, if you need it immediately, 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.
We can also provide you with a retrospective review of any appraisal you may have in your possession. While typically requested by banks, you may wish to utilize this service if you suspect mortgage fraud related to your home.