Attention homeowners in Coldwater and Mercer County: Need an appraisal?

Here are the top reasons OH homeowners hire Heyne Appraisals LLC:

  1. Get a pre-listing appraisal (whether they're selling the home themselves or using an agent)
  2. Challenge Mercer county's assessment of your property
  3. Remove PMI to reduce your monthly mortgage payment
  4. To reinstate their Home Equity Line of Credit (HELOC)
  5. To review a different appraiser's report for verification
  6. If property needs to be divided because of a divorce
  7. To settle an estate in Mercer county or OH by determining the true market value of property in question

Need help determining the value of your house in or near Coldwater, OH?
Contact Heyne Appraisals LLC.

We at Heyne Appraisals LLC understand the particular needs of a consumer after appraisal services. Our business practices and reporting formats are familiar to our business clients like banks, lawyers, and accountants. Being a regular consumer that probably doesn't look at appraisals on a regular basis,we will provide you with extra guidance and explanations through the appraisal process to more fully understand what we do and how we report our findings.

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

Since you have an emotional attachment to your home, it's often very hard to be objective about it. Professional appraisers, like the ones at Heyne Appraisals LLC, will be objective. We will tell you what you need to know, not just what you want to hear. A professional appraisal is a very valuable negotiating tool once you have an interested buyer, in addition to helping you set a realistic selling price so your house will attract many interested buyers. It's something concrete to show the buyer. The appraisal is an independent third party's opinion of your house's value, not just how much your house is worth. Potential buyers assume that you have an emotional attachment to your home and will be far more likely to give credibility to a seasoned appraiser's value assessment than yours.

Appraisals to cancel PMI

Getting the PMI (Private Mortgage Insurance) canceled from your mortgage loan is a fashionable money saver for homeowners. Once your mortgage loan is less than 80% of the value of your home, in most cases you can apply to the lender to have the PMI eliminated from your loan, which will make your monthly payments go down. We're veterans in helping clients just like you rid yourselves of unnecessary PMI insurance.

Challenging Mercer county's assessment of your property

Your local tax assessor may have your home overvalued if your house not appreciating as much as other properties close by. That only means you're going to pay more taxes than you should. Since your property assessment may likely go up again in the next period, the earlier you take care of things like this, the better off you'll be. An appraisal report from Heyne Appraisals LLC is your number one weapon when contesting your property tax assessment.

Was your HELOC recently frozen?

Your lender may decide to automatically freeze your home equity line of credit (HELOC) if your property is in a declining area -- even if your specific property has not declined in value. Not only can this be inconvenient from a cash flow viewpoint, but it can be unfavorable to your credit score since it may appear as though that credit line is maxed out. An efficient appraisal from Heyne Appraisals LLC can help you reinstate your HELOC.

Do You Need Field and Desktop Appraisal Review Services?

Have you just accepted a copy of your appraisal and you would prefer to have a seasoned expert double-check it for preciseness or do you desire a second opinion without the added cost and delay of waiting for a whole new appraisal? In a field review we will go out and check the subject and comps in question. Or, if you're in a rush, 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? Heyne Appraisals LLC can We can assist you. While usually requested by banks, you may need to employ this service if you suspect mortgage fraud related to your house.