Reasons to hire an appraiser

Thousands of people in Ohio purchase, sell or refinance their home each month. Many of these transactions involve a simple line item for an appraisal. Even though there are a budding number of automated home valuation systems that may appear to be more economical than an appraisal, the majority of lenders still need a local expert because the stakes are incredibly high. But is securing a mortgage the only reason you should get an appraisal? Are there more situations when the services of a certified, independent real estate professional might be helpful? You bet there are.


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Appeal your tax assessment in Cuyahoga County

It's likely you're paying too much in property taxes if you reside in an area where property values have depreciated. Ad Valorem taxes are based upon a past assessment of your real estate, so if values are less than what they used to be in your neighborhood, you can challenge your assessment and save money. An appraisal from Roser Real Estate Appraisal, Inc. is your best evidence when building your case. At Roser Real Estate Appraisal, Inc.,we can assist you in disputing your tax assessment.

PMI removal will lower your mortgage payment

When the amount being loaned to the homebuyer is more than 80% of the actual value of the real estate, most lenders ask homebuyers to buy an additional insurance policy. That policy is Private Mortgage Insurance, or PMI. Very often, this added payment is folded into the monthly mortgage payment and is promptly forgotten. This is damaging because PMI becomes unnecessary when the leftover balance of the loan - whether through market appreciation or principal pay down - decreases below the 80% level. In fact, the United States Congress invoked a law in 1998 (the Homeowners Protection Act of 1998) requiring lenders to remove the PMI payments when the loan-to-value ratio conditions have been met.

Roser Real Estate Appraisal, Inc. will provide you with a statement regarding the value of your home, and the cost of the appraisal can generally be offset in little time because you'll no longer be paying the PMI.

Divorce settlement with less stress

A divorce is a very traumatic experience for the parties involved, and it is often more complicated by the difficult decision of who keeps the property. Regardless of the situation, it's wise to order an appraisal from Roser Real Estate Appraisal, Inc. so both parties are entirely aware of the true market value of their house.

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

Settling an estate with peace of mind

Losing a loved one is a difficult 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. The ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP) binds us with confidentiality, ensuring the fullest degree of discretion.

Unlike many wealthy individuals, most Americans do not have dedicated estate planners or executors to take care of these affairs. A home or other property often makes up an unequal share of the total estate value, so knowing the true value of the real estate at hand is of significant importance to ensuring disputing parties leave knowing they've received a fair deal.

Roser Real Estate Appraisal, Inc. can help you with relocating to or from Cuyahoga County

Employee relocation is a stressful event. We know where you're coming from. That being said, we take great care in setting up an accommodating appointment time for the appraisal inspection. During our detailed process, we suggest relocating employees to provide remarks on the positive attributes of their property, along with information regarding any current sales or listings in their area that they want considered.

Sell your home quickly at the right price

Whether you decide to sell your home on your own or use the assistance of a real estate agent, a professional appraisal can help you make a more informed decision regarding your selling price. An appraiser has no vested interest in what amount the house sells for, unlike real estate agents. Our fees are calculated on our efforts to finish the appraisal report and and aren't related to the sales price.

On a daily basis, we examine the difference in value items like an additional bathroom or a kitchen remodel can make. Obtaining a professional appraisal is a trusted way to decide 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 an unnecessarily long time - because we're experts in knowing how long homes are one the market.