Real estate appraisal services for homeowners in the city of Mayfield Heights and Cuyahoga County

The top seven reasons OH homeowners need Irina Baker:

  1. Pre-listing appraisals (whether they're selling the home on their own or using a real estate agent)
  2. Challenge Cuyahoga county's assessment of your propertyvalue
  3. Remove PMI to lower a monthly mortgage payment
  4. To reinstate your Home Equity Line of Credit (HELOC)
  5. Review a different appraiser's report for verification
  6. In the case of a OH divorce, when real estate needs to be divided
  7. To settle an estate in OH by determining the true market value of property in question

Do you own a home in or near Mayfield Heights? Do you need help deciding the value of your real estate?
Contact Irina Baker.

We at Irina Baker understand the special needs of a consumer in need of appraisal services. Our customary business clients get the appraisal process and the standard reporting formats. But as a consumer,we will provide you with extra guidance and explanations through the appraisal process to more fully understand what we do and how we present our conclusions.

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

Since you have an emotional attachment to your house, it's often very hard to be objective about it. Our professional appraisers at Irina Baker are objective. We won't just tell you what you want to hear, we will tell you what you need to know. In addition to helping you set a realistic price to sell at so your house will attract interested buyers, a professional appraisal is a crucial negotiating tool once you have an attainable buyer. It's something tangible to show your buyer. An appraisal is an independent third party's opinion of your property's price -- not just how much you think your home is worth. Potential buyers assume that you have an emotional attachment to your home and will be far more likely to give credibility to an expert appraiser's value estimation than yours.

Need to remove PMI?

Getting the PMI (Private Mortgage Insurance) removed from your mortgage loan is an attractive way to cut costs for homeowners. Once your mortgage loan is less than 80% of the value of your house, in most cases you can apply to a lender to have the PMI removed from your loan, which will make your monthly payments go down. We are experienced in helping customers just like you do away with unnecessary PMI insurance.

Challenging property tax assessments

Your local tax assessor may have your home overvalued if you live in a region that is declining. That only means you are most likely paying more taxes than you should. Since your property assessment may likely go up again in the next period, the quicker you take care of a matter like this, the better. A professional appraisal from Irina Baker is your #1 weapon when challenging your property tax assessment.

HELOC recently frozen?

Even if your specific property has not declined in value, your lender may just make the decision to automatically freeze your home equity line of credit (HELOC) if your home is in a declining area. This can this be disadvantageous from a cash flow viewpoint, and damaging to your credit score since it may appear as though that credit line is maxed out. Irina Baker can help you reinstate your HELOC.

We Provide Field and Desktop Appraisal Review Services

Would you wish a second opinion without the added cost and delay of waiting for a whole new appraisal? Or do you want an expert to double-check your appraisal for verity? In a field review we'll go out and check the subject and comps. 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 you with a a retrospective review of any appraisal report you may have in your possession. Even though this is typically requested by banks, you may desire to exploit this service if you suspect mortgage fraud related to your home.