Appraisal services for Dayton and Montgomery County homeowners

Here are the top 7 reasons why OH homeowners hire Gunn and Associates:

Get a pre-listing appraisal (whether you're using an agent or selling the home on your own)
Challenge a property tax assessment
To reduce your mortgage payment by removing PMI
To reinstate their Home Equity Line of Credit (or HELOC)
Verify a different appraiser's report
If real estate property needs to be divided because of a divorce
To determine the true market value of property in question to settle an estate in Montgomery county or OH

Do you own a home in or near Dayton? Do you need help determining the value of your real estate?
Contact Gunn and Associates.

We at Gunn and Associates understand the individual needs of a homeowner seeking appraisal services. Our business practices and reporting formats are relatively routine to our business clients like banks, lawyers, and accountants. But as a general consumer,we'll be sure you get extra guidance and explanations through the appraisal process to more fully understand what we do and how we present our findings.

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. 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 very valuable negotiating tool once you have a potential buyer, in addition to helping you set a realistic selling price so your house will attract interested buyers. It gives you something tangible to show the buyer. An appraisal is an independent third party's opinion of your property's price -- not just you saying how much you think 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 professional appraiser's value estimation than yours.

PMI Removal Appraisals

PMI stands for Private Mortgage Insurance. A popular money saver for homeowners is to get the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan amount is down below 80% of the value of your home, in most cases you can apply to your lender to have the PMI canceled from your loan, which will make your monthly payments go down. At Gunn and Associates, we're qualified in helping people just like you rid yourselves of unwanted PMI insurance.

Challenging Montgomery county's assessment of your property

If you live in a local area that is declining or is not appreciating as much as other houses close to yours, your local tax assessor may have your house overvalued. That only means you're probably paying more taxes than you should. Since your property assessment may likely go up again in the next period, the sooner you take care of things like this, the better off you'll be. An appraisal from Gunn and Associates is your strongest weapon when contesting your property tax assessment.

Was your HELOC recently frozen?

Your lender may just choose to automatically freeze your home equity line of credit (HELOC) if your home is near a declining area -- even if your specific property has not declined in value. Not only can this be inopportune from a cash flow standpoint, but it can be negative on your credit score since it may appear as though that credit line is maxed out. Gunn and Associates can help you reinstate your HELOC.

We Offer Field and Desktop Appraisal Review Services

Would you prefer a second opinion without the expense and delay of waiting for a whole new appraisal? Or do you desire a professional to double-check your appraisal for efficiency? An appraiser from Gunn and Associates can go out and check the subject and comparables in a field review. 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.

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