Appraisal services for westerville and Franklin County homeowners

Check out the top seven reasons why OH homeowners call on Carida McCalla:

  1. Find the right listing price (whether they're selling the home on their own or using a real estate agent)
  2. Challenge property tax assessments
  3. To reduce your mortgage payment by removing PMI
  4. Reinstate your Home Equity Line of Credit (or HELOC)
  5. Verify a different appraiser's report
  6. If real estate property needs to be divided because of a divorce
  7. To determine the true market value of property in question to settle an estate

Own a home in or near westerville, OH and need help deciding the value of it?
Contact Carida McCalla.

At Carida McCalla, we understand the particular needs of a consumer in need of appraisal services. While our typical clients understand the appraisal process and standard reporting formats, you as a consumer will get an extra level of customer service in the form of an explanation of the process and even special consumer-friendly reporting forms if the assignment allows for them.

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

Since you have an emotional attachment to your home, it's often very hard to be objective about it. A professional appraiser is objective and will tell you what you need to know, not just what you want to hear. A professional appraisal is a crucial negotiating tool once you have an interested buyer, in addition to helping you set a realistic price to sell at so your home will attract buyers. It gives you something tangible to show the 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 assume you have an emotional attachment to your home and will be much more likely to give credibility to an expert appraiser's value estimation than yours.

Need to remove 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 amount is below 80% of the value of your house, 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. At Carida McCalla, we're qualified in helping clients just like you dismiss unnecessary PMI insurance.

Challenge property tax assessments

If you live in an area that is going down or is not appreciating as much as other homes nearby, your local tax assessor may have your house overvalued. That 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 a matter like this, the better. An expert appraisal from Carida McCalla is your number one weapon when contesting your property tax assessment.

HELOC recently frozen?

Your lender might just make the decision to automatically freeze your home equity line of credit (HELOC) if your house is in a declining area -- even if your specific property has not declined in value. This can be be harmful to your credit score since it may appear as though that credit line is maxed out, and also disadvantageous from a cash flow point of view. Carida McCalla can help you reinstate your HELOC.

Field and Desktop Appraisal Review Services

Would you wish a second opinion without the charge and delay of waiting for a whole new appraisal? Or do you desire an expert to double-check your appraisal for verity? An appraiser from Carida McCalla can go out and check the subject and comparables in a field review. Or, if you need it ASAP, we can 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? Carida McCalla can help with that too. While usually requested by banks, you may desire to exercise this service if you suspect mortgage fraud related to your house.