Appraisal services for Blanchester and Clinton County homeowners

The top seven reasons why OH homeowners hire Mary Brose:

Pre-listing appraisals (whether you're using an agent or selling the home on your own)
Challenge a property tax assessment
To reduce a mortgage payment by removing PMI
Reinstate their Home Equity Line of Credit (or HELOC)
Verify another appraiser's report
In the case of a OH divorce, when real estate needs to be divided
Settle an estate in OH by determining the true market value of real estate in question

Own a home in or near Blanchester, OH and need help determining the price of it?
Contact Mary Brose.

We at Mary Brose understand the individual needs of a consumer looking for appraisal services. Our usual business clients get the appraisal process and the usual documents we provide. Being a regular person not in the real estate business that ordinarily doesn't see an appraisal every day,you will receive extra guidance and explanations through the appraisal process to understand what we do and how we report our findings.

For Sale By Owner/Pre-Listing Services

Since you have an emotional attachment to your own home, it's often very hard to be objective about it. Professional appraisers, like the ones at Mary Brose, 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 interested buyers, a professional appraisal is very valuable as a negotiating tool once you have an attainable buyer. The appraisal is something tangible to show the buyer. The appraisal is an independent third party's opinion of your property's price, not just you saying how much you think your house is worth. Interested buyers know you have an emotional attachment to your home and will be far more likely to give credibility to an accomplished appraiser's value opinion than yours.

Need to remove PMI?

PMI stands for Private Mortgage Insurance. A preferred way to save money for homeowners is to get 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 is less than 80% of the value of your home. In most cases you can apply to a lender to have the PMI removed from your loan. Mary Brose is seasoned in helping customers just like you dismiss unneeded PMI insurance.

Challenge a property tax assessment

Your local tax assessor may have your home overvalued if you live in a local area that is declining or not appreciating as much as other houses nearby. That only means you're most likely paying more taxes than you should. Since your property assessment may likely go up again in the next period, the faster you take care of things like this, the better. When challenging your property tax assessment, getting an appraisal report from Mary Brose is your number one weapon.

Was your HELOC recently frozen?

If your home is in or near a declining area, your lender might just 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 difficult and inconvenient from a cash flow point of view, but it can be damaging to your credit score since it may appear as though that credit line is maxed out. An expert appraisal from Mary Brose can help you reinstate your HELOC.

Field and Desktop Appraisal Review Services

Do you need a professional to double-check your appraisal for efficiency, or do you want a second opinion without the added expense and delay of waiting for a whole new appraisal? In a field review we'll go out and check the subject and comps in question. Or, if you need it in a rush, we can provide desk review and verify as many facts as we can using online data sources as well as our own files.

We can also provide a retrospective review of any appraisal you may have in your possession. While typically requested by banks, you may need to employ this service if you suspect mortgage fraud related to your house.