Attention homeowners in West Chester and Butler County: Need an appraisal?

Check out the top seven reasons why OH homeowners need Mellon Appraisal Service:

  1. Get a pre-listing appraisal (whether you're using an agent or selling the home on your own)
  2. Challenge Butler county's assessment of your propertyvalue
  3. Remove PMI to cut a mortgage payments
  4. Reinstate their Home Equity Line of Credit (or HELOC)
  5. Review a different appraiser's report for verification
  6. In the case of a OH divorce, when real estate property needs to be divided
  7. To determine the true market value of property in question to settle an estate

Do you own a home in or near West Chester? Do you need help determining the price of your real estate?
Contact Mellon Appraisal Service.

At Mellon Appraisal Service, we understand the unique needs of a consumer seeking appraisal services. While our typical business clients understand the appraisal process and standard reporting formats, you as a consumer will get an extra level of customer 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. The professional appraisers at Mellon Appraisal Service will tell you what you need to know -- not just what you want to hear. We are objective. A professional appraisal is a crucial negotiating tool once you have an attainable buyer, in addition to helping you set a realistic price to sell at so your house will attract buyers. The appraisal is something tangible to show your buyer. The appraisal is an independent third party's opinion of your home's price, not just how much your house is worth. Interested buyers assume that you have an emotional attachment to your home and will be far more likely to give credibility to a professional appraiser's value report than yours.

Appraisals to cancel PMI

Getting the PMI (Private Mortgage Insurance) canceled from your mortgage loan is a popular way to cut expenses for homeowners. Your monthly payments will go down once your mortgage loan is less than 80% of the value of your home. In most cases you can apply to your lender to have the PMI eliminated from your loan. Mellon Appraisal Service is experts in helping homeowners just like you get rid of unnecessary PMI insurance.

Challenging property tax assessments

Lets say your house is not appreciating as much as other homes nearby -- your local tax assessor may have your house overvalued. This only means you're probably paying higher taxes than you should be paying. The sooner 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 contesting your property tax assessment, getting a professional appraisal from Mellon Appraisal Service is your number one weapon.

HELOC recently frozen?

If your property is in a declining area, your lender just may choose to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can be be harmful to your credit score since it may appear as though that credit line is maxed out, and also troublesome from a cash flow standpoint. Mellon Appraisal Service can help you reinstate your home equity line of credit with a professional appraisal.

We Offer Field and Desktop Appraisal Review Services

Have you just gotten a copy of your appraisal and you'd wish to have a professional double-check it for efficiency or do you need a second opinion without the charge and delay of waiting for a whole new appraisal? In a field review we'll go out and check the subject and comps. Or, if you need it ASAP, 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.

Do you need a retrospective review of an appraisal? Mellon Appraisal Service can help with that too. Even though this is usually requested by banks, you may wish to employ this service if you suspect mortgage fraud related to your property.