Attention homeowners in Chillicothe and Ross County: Get an Appraisal today!

The top reasons OH homeowners need Sarah J. Pummel:

  1. Find the right listing price (whether they're selling the home on their own or using an agent)
  2. Challenge property tax assessments
  3. Remove PMI to lower a mortgage payments
  4. To reinstate your Home Equity Line of Credit (or HELOC)
  5. To review another appraiser's report for verification
  6. In the case of a OH divorce, when real estate needs to be divided
  7. Determine the true market value of real estate in question to settle an estate

Do you own a house in or near Chillicothe? Do you need help determining the price of your real estate?
Contact Sarah J. Pummel.

At Sarah J. Pummel, we understand the particular needs of a homeowner in need of appraisal services. While our usual 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.

For Sale By Owner/Pre-Listing Services

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 very crucial as a negotiating tool once you have a likely 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 home is worth. Potential buyers assume that you have an emotional attachment to your house and will be far more likely to give credibility to a professional appraiser's value estimation than yours.

Appraisals to remove PMI

PMI stands for Private Mortgage Insurance. A popular way to cut expenses for homeowners is to get the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. Your monthly payments will go down once your mortgage loan amount is down below 80% of the value of your property. In most cases you can apply to your lender to have the PMI eliminated from your loan. At Sarah J. Pummel, we're qualified in helping folks just like you do away with unnecessary PMI insurance.

Challenge a property tax assessment

Lets say your house is not appreciating as much as other properties nearby -- your local tax assessor may have your house overvalued. This only means you are probably paying higher taxes than you should be paying. The sooner you take care of things 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 Sarah J. Pummel is your #1 weapon.

HELOC recently frozen?

Even if your specific property has not declined in value, your lender just might choose to automatically freeze your home equity line of credit (HELOC) if your house is near a declining area. This can be be destructive 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. Sarah J. Pummel can help you reinstate your HELOC.

We Also Provide Field and Desktop Appraisal Review Services

Do you need an expert to double-check your appraisal for preciseness, or do you want a second opinion without the added cost and delay of waiting for a whole new appraisal? In a field review we will go out and check the subject and comps. Or, if you need it ASAP, we can provide you with a desk review and verify as many facts as we can using online data sources as well as our own files.

Need a retrospective review of an appraisal report? We can We can assist you While typically requested by banks, you may wish to use this service if you suspect mortgage fraud related to your property.