Need an appraisal in Toledo or Lucas County?

The top 7 reasons why Ohio homeowners order from Steingraber & Associates:

1. Find the right listing price (whether they're selling the home on their own or using an agent)
2. Challenge Lucas County's assessment of your property value
3. To cut your mortgage payment by removing PMI
4. To reinstate their Home Equity Line of Credit (HELOC)
5. Review another appraiser's report for verification
6. In the case of a divorce in the state of Ohio, when real estate property needs to be divided
7. To settle an estate in Ohio by determining the true market value of the real estate in question

	Need help deciding the price of your home in or near Toledo, Ohio? Contact Steingraber & Associates.

At Steingraber & Associates, we understand the special needs of a consumer after appraisal services. Our usual business clients understand the appraisal process and the customary documents we provide. But as a general consumer, you can expect extra guidance and explanations through the appraisal process to understand what we do and how we present the results of our analysis.

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

Since you have an emotional attachment to your own house, it's often very hard to be objective about it. Professional appraisers, like the ones at Steingraber & Associates, 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 selling price so your home will attract buyers, a professional appraisal is very valuable as a negotiating tool once you have an interested buyer. The appraisal is something tangible to show your buyer. An appraisal is an independent third party's opinion of your house's value -- not just how much you think your house is worth. Potential buyers know that you have an emotional attachment to your home and will be far more likely to give credibility to an expert appraiser's value assessment than yours.

Challenging property tax assessments

Let's say you live in an area that's going down -- your local tax assessor may have your house overvalued. That means you are going to pay more taxes than you should. The faster 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 an expert appraisal from Steingraber & Associates is your perfect weapon.

Need to remove PMI?

PMI stands for Private Mortgage Insurance. An attractive way to cut expenses for homeowners is to get the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. Your monthly payments will go down once your mortgage loan amount is less than 80% of the value of your home. In most cases you can apply to your lender to have the PMI canceled from your loan. We are qualified in helping people just like you dismiss unnecessary PMI insurance.

Recently got a freeze to your HELOC?

If your home is in a declining area, your lender just might decide to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can be damaging to your credit score since it may appear as though that credit line is maxed out, and also unsuitable from a cash flow angle. Steingraber & Associates can help you reinstate your home equity line of credit with efficient appraisal.

We Also Provide Field and Desktop Appraisal Review Services

Do you need a veteran appraiser to double-check your appraisal for precision, 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 comps in question 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.

We can also provide a retrospective review of any appraisal report you may have had in the past. Even though most appraisal reviews are commissioned by lenders, homeowners suspecting a prior appraisal wasn't above board are prudent to invest in a second opinion.