Appraisal services for Cleveland and Cuyahoga County homeowners

Here are the top seven reasons why OH homeowners call on On Time Appraisal Service:

  1. Pre-listing appraisals (whether they're selling the home on their own or using a real estate agent)
  2. Challenge a property tax assessment
  3. To cut their mortgage payments by removing PMI
  4. To reinstate their Home Equity Line of Credit (HELOC)
  5. Verify another appraiser's report
  6. In the case of a OH divorce, where real estate needs to be divided
  7. To determine the true market value of real estate in question to settle an estate in Cuyahoga County or the state of OH

Own a house in or near Cleveland, OH and need help determining the value of it?
Contact On Time Appraisal Service.

We at On Time Appraisal Service understand the unique needs of a customer in need of appraisal services. While our typical clients understand the appraisal process and standard reporting formats, you as a consumer will get extra 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

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

Need to remove PMI?

PMI stands for Private Mortgage Insurance. An attractive way to save money for homeowners is to get the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. Your monthly payments will go down once your mortgage loan amount is below 80% of the value of your house. In most cases you can apply to a lender to have the PMI removed from your loan. We're qualified in helping folks just like you abolish unwanted and unneeded PMI insurance.

Challenging property tax assessments

Lets say your house is not appreciating as much as other properties nearby -- your local tax assessor may have your house overvalued. This only means you are paying higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the sooner you take care of a matter like this, the better. An appraisal from On Time Appraisal Service is your strongest weapon when contesting your property tax assessment.

HELOC recently frozen?

Even if your specific property has not declined in value, your lender just may choose to automatically freeze your home equity line of credit (HELOC) if your house is near a declining area. This can be be unfavorable to your credit score since it may appear as though that credit line is maxed out, and also inconvenient from a cash flow standpoint. On Time Appraisal Service can help you reinstate your HELOC.

Do You Need Field and Desktop Appraisal Review Services?

Do you need a seasoned appraiser to double-check your appraisal for precision, or do you desire a second opinion without the added cost and delay of waiting for a whole new appraisal? On Time Appraisal Service offers field reviews where we'll go out and check the subject and comparables. 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.

Do you need a retrospective review of an appraisal? On Time Appraisal Service can help with that too. While typically requested by banks, you may want to take advantage of this service if you suspect mortgage fraud related to your property.