Comprehensive Valuation Solutions in Cincinnati are called upon for diverse clients

To many, an appraisal just looks like one more thing in the long list of items for a home sale or refinance. Nearly all lenders still need a local expert because the stakes are incredibly high, even though there are a multiplying number of automated home valuation systems that may seem more prudent than an appraisal. But is getting a mortgage the only reason you should get an appraisal? Are there also times when the services of a certified, independent real estate professional could come in handy? Of course there are.


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Let Comprehensive Valuation Solutions help you appeal your tax assessment in Hamilton County

If you live in an area where property values have depreciated, it's possible you're paying too much in property taxes. When building your case, an appraisal from Comprehensive Valuation Solutions is your best evidence. At Comprehensive Valuation Solutions,we can assist you in disputing your tax assessment.

PMI removal will lower your mortgage payment

Private Mortgage Insurance, or PMI, is an extra insurance policy that most lenders ask homeowners to buy when the amount being loaned to the homeowner is more than 80% of the actual value of the property. Oftentimes, this added payment is bundled into the monthly mortgage payment and is quickly forgotten. PMI is no longer required when the leftover balance of the loan - whether through market appreciation or principal pay down - decreases below the 80% level, making this very unfavorable. In fact, the Homeowners Protection Act (HPA) of 1998 was implemented by the United States Congress requiring lenders to remove the PMI payments when the balance is paid down to 78% of the original value.

Comprehensive Valuation Solutions will give you a statement regarding the value of your home, and the price you paid for the appraisal can usually be recovered in little time because you'll no longer be paying the PMI.

Settling a divorce with less stress with an appraisal from Comprehensive Valuation Solutions

A divorce is often complicated by the troublesome decision of who keeps the house, and it can be a very heartbreaking experience for both parties. Regardless of the situation, it's a good idea to order an appraisal from Comprehensive Valuation Solutions so both parties are entirely aware of the true market value of their home.

The parties will have a good idea of what price to set, if they want to sell the home. And if a "buyout" is the chosen option, both parties will feel like they've gotten a fair evaluation.

Settling an estate with peace of mind

The death of a loved one is a difficult time in life, and settling an estate from a death, or probate, often requires an appraisal to establish Market Value for the residential property involved. The ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP) binds us with confidentiality, ensuring the utmost degree of discretion.

Unlike many wealthy individuals, most Americans don't have dedicated estate planners or executors to handle these issues. A home or other property often makes up an uneven share of the total estate value, so understanding the true value of the real estate at hand is of vital importance to ensuring disputing parties leave knowing they've gotten an honest deal.

Relocating to or from Hamilton County

Moving due to a job change is a real pain, and we understand. We take great care in organizing a convenient appointment time for the appraisal inspection. During our intensive process, we encourage relocating employees to provide feedback on the positive aspects of their property, along with information about any new sales or listings in their area that they want considered.

Sell your home quickly at the right price with an appraisal from Comprehensive Valuation Solutions

A professional appraisal can help you make a better educated decision regarding your asking price, whether you want to sell your home on your own or with the help of a real estate agent. An appraiser has no vested interest in what price the house sells for, which is different than the interest of real estate agents. Our fees are based on our efforts to finish the appraisal report and not a percentage of the sales price.

We determine the difference in value items like an additional bathroom or a kitchen remodel can make on a daily basis. And we're experts in knowing how long properties stay on the market. So, getting a professional appraisal is a reliable way to determine what improvements will add value and what a suitable sales price is for your home so you don't come up short or have your house on the market an unnecessarily long time.