Appraisal services for Lakewood and Cuyahoga County homeowners

The top seven reasons OH homeowners use Shelby Evans:

To get a pre-listing appraisal (whether you're using an agent or selling the home on your own)
To challenge a OH property tax assessment
Remove PMI to lower your mortgage payments
Reinstate their Home Equity Line of Credit (HELOC)
Review another appraiser's report for verification
In the case of a OH divorce, when real estate needs to be divided
To settle an estate in OH by determining the true market value of real estate in question

Own a home in or near Lakewood, OH and need help deciding the price of it?
Contact Shelby Evans.

At Shelby Evans, we understand the individual needs of a customer after appraisal services. The appraisal process and reporting formats are relatively routine to our business clients like banks, attorneys, and accountants. Being a regular homeowner that probably doesn't look at appraisals on a regular basis,we'll be sure you get extra guidance and explanations through the appraisal process to understand what we do and how we document our conclusions.

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

It's very hard to be objective about your own 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 a crucial negotiating tool once you have a likely buyer, in addition to helping you set a realistic selling price so your home will attract interested buyers. It gives you something tangible to show the buyer. It's an independent third party's opinion of your property's price, and not just you saying how much you think your home is worth. Potential buyers assume that you have an emotional attachment to your home and will be much more likely to give credibility to an experienced appraiser's value report than yours.

Need to cancel PMI?

PMI stands for Private Mortgage Insurance. An attractive way to cut costs for homeowners is getting the PMI removed from their mortgage loan, thus saving them money on their monthly payments. Your monthly payments will go down once your mortgage loan amount is down below 80% of the value of your home. In most cases you can apply to the lender to have the PMI eliminated from your loan. At Shelby Evans, we're veterans in helping folks just like you rid yourselves of unneeded PMI insurance.

Challenge a property tax assessment

Your local tax assessor may have your house overvalued if you live in a region that is declining. That only means you are probably paying more taxes than you should. 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 a professional appraisal from Shelby Evans is your number one weapon.

Was your HELOC recently frozen?

If your property is near a declining area, your lender might decide to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. Not only can this be annoying from a cash flow viewpoint, but it can be harmful to your credit score since it may appear as though that credit line is maxed out. A professional appraisal from Shelby Evans can help you reinstate your HELOC.

Do You Need Field and Desktop Appraisal Review Services?

Have you just been given a copy of your appraisal and you would wish to have a seasoned professional double-check it for preciseness or do you desire a second opinion without the cost and delay of waiting for a whole new appraisal? We can go out and check the subject and comparables in a field review. Or, if you're in a hurry, we can provide desk review and verify as many facts as we can using online data sources as well as our own files.

Need a retrospective review of an appraisal report? We 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 home.