Attention homeowners in Cincinnati and Hamilton County: Need an appraisal?

The top 7 reasons OH homeowners use USB:

Find the right listing price (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
To reinstate your Home Equity Line of Credit (or HELOC)
To review another appraiser's report for verification
In the case of a OH divorce, where real estate property needs to be divided
Settle an estate in OH by determining the true market value of property in question

Do you own a home in or near Cincinnati? Do you need help deciding the value of your real estate?
Contact USB.

At USB, we understand the unique needs of a consumer seeking appraisal services. Our usual business clients are used to the appraisal process and the standard documents we provide. Being a regular homeowner that ordinarily doesn't look at appraisals on a regular basis,we will give you extra guidance and explanations through the appraisal process to more clearly understand what we do and how we present our findings.

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

It's very hard to be objective about your house because you probably have an emotional attachment to it. The professional appraisers at USB will tell you what you need to know -- not just what you want to hear. We are objective. A professional appraisal is a very valuable negotiating tool once you have a likely 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 property's price, not just how much your home is worth. Potential buyers know that you have an emotional attachment to your house and will be far more likely to give credibility to a seasoned appraiser's value report than yours.

Appraisals to cancel PMI

Getting the PMI (Private Mortgage Insurance) canceled from your mortgage loan is a popular way to save money for homeowners. Once your mortgage loan is less than 80% of the value of your house, in most cases you can apply to your lender to have the PMI removed from your loan, which will make your monthly payments go down. We are qualified in helping people just like you abolish unwanted PMI insurance.

Challenge Hamilton county's assessment of your property

Your local tax assessor may have your house overvalued if your home not appreciating as much as other houses nearby. That means you're paying 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. An appraisal from USB is your chief weapon when contesting your property tax assessment.

Was your HELOC recently frozen?

Your lender just may make the decision to automatically freeze your home equity line of credit (HELOC) if your house is close to a declining area -- even if your specific property has not declined in value. This can this be troublesome from a cash flow point of view, and negative on your credit score since it may appear as though that credit line is maxed out. USB can help you reinstate your home equity line of credit with efficient appraisal.

Need Field and Desktop Appraisal Review Services?

Would you prefer a second opinion without the charge and delay of waiting for a whole new appraisal? Or do you want a seasoned expert to double-check your appraisal for verity? An appraiser from USB can go out and check the subject and comps in question in a field review. If you need it in a rush, we'll provide 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 report? USB can We can assist you. Even though this is typically requested by banks, you may want to exploit this service if you suspect mortgage fraud related to your home.