Attention homeowners: Real estate appraisal services for in Dayton and Montgomery County

Here are the top reasons OH homeowners use Michael A. Cahill & Associates:

Find the right listing price (whether they're selling the home themselves or using a real estate agent)
Challenge a property tax assessment
To cut a mortgage payment by removing PMI
To reinstate their Home Equity Line of Credit (or HELOC)
Verify another appraiser's report
If property needs to be divided because of a divorce
To settle an estate in Montgomery county or OH by determining the true market value of property in question

Own a house in or near Dayton, OH and need help deciding the price of it?
Contact Michael A. Cahill & Associates.

At Michael A. Cahill & Associates, we understand the particular needs of a consumer seeking appraisal services. While our usual business clients understand the appraisal process and standard reporting formats, you as a consumer will get extra 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 (FSBO) / Pre-Listing Services

Since you have an emotional attachment to your home, it's often very hard to be objective about it. Professional appraisers, like the ones at Michael A. Cahill & Associates, will be objective. We'll tell you what you need to know, not just what you want to hear. In addition to helping you set a realistic selling price so your property will attract buyers, a professional appraisal is very crucial as a negotiating tool once you have a potential buyer. The appraisal is something tangible to show the buyer. The appraisal is an independent third party's opinion of your home's price, not just how much your house is worth. Potential buyers assume that you have an emotional attachment to your house and will be much more likely to give credibility to a seasoned appraiser's value opinion than yours.

Need to cancel PMI?

PMI stands for Private Mortgage Insurance. A fashionable way to save money for homeowners is to get the PMI removed from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan amount is below 80% of the value of your home, in most cases you can apply to a lender to have the PMI canceled from your loan, which will make your monthly payments go down. At Michael A. Cahill & Associates, we're veterans in helping customers just like you rid yourselves of unwanted PMI insurance.

Challenging a property tax assessment

If you live in a local area that is going down or is not appreciating as much as other houses nearby, your local tax assessor may have your home overvalued. This only means you are most likely paying higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the faster you take care of things like this, the better. When challenging your property tax assessment, getting an expert appraisal from Michael A. Cahill & Associates is your best weapon.

Was your HELOC recently frozen?

Even if your specific property has not declined in value, your lender might 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 difficult and inconvenient from a cash flow viewpoint, and bad for your credit score since it may appear as though that credit line is maxed out. Michael A. Cahill & Associates can help you reinstate your HELOC.

Field and Desktop Appraisal Review Services

Do you need a seasoned appraiser to double-check your appraisal for precision, or do you desire a second opinion without the added expense and delay of waiting for a whole new appraisal? In a field review we'll go out and check the subject and comps in question. If you're in a rush, we'll provide you with a desk review and verify as many facts as we can using online data sources as well as our own files.

We can also provide a retrospective review of any appraisal report you may have had in the past. Even though this is typically requested by banks, you may need to utilize this service if you suspect mortgage fraud related to your house.