Appraisal services for Dayton and Montgomery County homeowners

The top seven reasons Ohio homeowners hire Edwards Appraisal Services:

1. Find the right listing price (whether you're using a real estate agent or selling the home on your own)
2. Challenge Montgomery County's assessment of your property
3. Remove PMI to cut their mortgage payment
4. To reinstate your Home Equity Line of Credit (or HELOC)
5. To review a different appraiser's report for verification
6. If real estate needs to be divided because of a divorce
7. To determine the true market value of real estate to settle an estate

	Own a home in or near Dayton, Ohio and need help determining the value of it? Contact Edwards Appraisal Services.

At Edwards Appraisal Services, we understand the unique needs of a consumer looking for appraisal services. Our typical business clients get the appraisal process and the usual documents we provide. As our valued client, we will provide you with extra guidance and explanations through the appraisal process to more clearly understand what we do and how we report our conclusions.

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

Since you have an emotional attachment to your house, it's often very hard to be objective about it. Our professional appraisers at Edwards Appraisal Services are objective. We won't just tell you what you want to hear, we will tell you what you need to know. A professional appraisal is very important as a negotiating tool once you have a likely buyer, in addition to helping you set a realistic selling price so your property will attract many interested buyers. It gives you something tangible to show your buyer. It's an independent third party's opinion of your property's value, and not just how much your house is worth. Interested buyers know you have an emotional attachment to your house and will be more likely to give credibility to an experienced appraiser's value judgement than yours.

Challenging property tax assessments

Your local tax assessor may have your house overvalued if your house is not appreciating as much as other homes close by. This means you are paying higher taxes than you should be paying. The quicker you take care of things like this, the better, since your property assessment may likely go up again in the next period. Getting an appraisal report from Edwards Appraisal Services is your perfect weapon when challenging your property tax assessment.

Appraisals to cancel PMI

Getting the PMI (Private Mortgage Insurance) removed from your mortgage loan is a popular money saver for homeowners. Once your mortgage loan is below 80% of the value of your property, in most cases you can apply to the lender to have the PMI removed from your loan, which will make your monthly payments go down. We are qualified in helping consumers just like you remove undesirable PMI insurance.

Was your HELOC recently frozen?

Even if your specific property has not declined in value, your lender may just decide to automatically freeze your home equity line of credit (HELOC) if your home is close to a declining area. This can be troublesome from a cash flow angle, and detrimental to your credit score since it may appear as though that credit line is maxed out. Edwards Appraisal Services can help you reinstate your home equity line of credit with a professional appraisal.

Need Field and Desktop Appraisal Review Services?

Have you just received a copy of your appraisal and you'd prefer to have a seasoned professional double-check it for preciseness or do you want a second opinion without the added expense and delay of waiting for a whole new appraisal? Edwards Appraisal Services offers field reviews where we go out and check the subject and comps. Or, if you're in a rush, 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? We can assist you. Even though most appraisal reviews are commissioned by lenders for quality control, homeowners that have reason to believe a prior appraisal wasn't above board are wise to get a second opinion.