Appraisal services for Dayton and Montgomery County homeowners

The top seven reasons why OH homeowners call on Stout Appraisal Services:

Find the right listing price (whether they're selling the home on their own or using an agent)
Challenge property tax assessments
Remove PMI to lower your mortgage payment
To reinstate their Home Equity Line of Credit (or HELOC)
To review another appraiser's report for verification
If property needs to be divided because of a divorce
Settle an estate in OH by determining the true market value of real estate in question

Own a home in or near Dayton, OH and need help deciding the value of it?
Contact Stout Appraisal Services.

At Stout Appraisal Services, we understand the unique needs of a consumer in need of appraisal services. The appraisal process and reporting formats are familiar to our business clients like banks, attorneys, and CPAs. But as a consumer,we'll be sure you get extra guidance and explanations through the appraisal process to better understand what we do and how we document our findings.

Pre-listing Services/For Sale By Owner

Since you have an emotional attachment to your house, it's often very hard to be objective about it. The professional appraisers at Stout Appraisal Services will tell you what you need to know -- not just what you want to hear. We are objective. A professional appraisal is very important as a negotiating tool once you have an interested buyer, in addition to helping you set a realistic price to sell at so your home will attract buyers. It's something tangible to show the buyer. The appraisal is an independent third party's opinion of your house's value, not just you saying how much you think your house is worth. Potential buyers know that you have an emotional attachment to your home and will be far more likely to give credibility to an accomplished appraiser's value report than yours.

PMI Removal Appraisals

A fashionable money saver for homeowners is getting the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Your monthly payments will go down once your mortgage loan is below 80% of the value of your property. In most cases you can apply to your lender to have the PMI canceled from your loan. We're qualified in helping people just like you abolish unwanted and unneeded PMI insurance.

Challenging Montgomery county's assessment of your property

Your local tax assessor may have your home overvalued if your home not appreciating as much as other properties close by. That means you're most likely 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 a matter like this, the better. Getting an appraisal report from Stout Appraisal Services is your chief weapon when challenging your property tax assessment.

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 in a declining area. This can be be negative on your credit score since it may appear as though that credit line is maxed out, and also inopportune from a cash flow standpoint. Stout Appraisal Services can help you reinstate your home equity line of credit with efficient appraisal.

Need Field and Desktop Appraisal Review Services?

Do you need an expert to double-check your appraisal for precision, or do you need a second opinion without the cost and delay of waiting for a whole new appraisal? We can go out and check the subject and comparables in question in a field review. If you need it in a rush, we'll 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 you may have in your possession. While usually requested by banks, you may wish to take advantage of this service if you suspect mortgage fraud related to your home.