Appraisal services for Dayton and Montgomery County homeowners

Here are the top reasons OH homeowners need JCI Appraisals:

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

Own a house in or near Dayton, OH and need help determining the price of it?
Contact JCI Appraisals.

At JCI Appraisals, we understand the particular needs of a customer looking for appraisal services. Our business practices and reporting formats are familiar to our business clients like lenders, lawyers, and CPAs. Being a regular person not in the real estate business that probably doesn't see an appraisal on a regular basis,you will receive extra guidance and explanations through the appraisal process to more clearly understand what we do and how we document our findings.

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

It's very hard to be objective about your own home because of your emotional attachment to it. The professional appraisers at JCI Appraisals will tell you what you need to know -- not just what you want to hear. We are objective. In addition to helping you set a realistic selling price so your home will attract buyers, a professional appraisal is very important as a negotiating tool once you have a potential buyer. It's something concrete to show your buyer. It's an independent third party's opinion of your property's price, and not just you saying how much you think your home is worth. Interested buyers know that you have an emotional attachment to your house and will be more likely to give credibility to an experienced appraiser's value assessment than yours.

Need to cancel PMI?

PMI stands for Private Mortgage Insurance. An attractive money saver for homeowners is to get the PMI removed from their mortgage loan, thus saving them money on their monthly payments. Your monthly payments will go down once your mortgage loan amount is down below 80% of the value of your home. In most cases you can apply to a lender to have the PMI eliminated from your loan. We are veterans in helping folks just like you abolish unnecessary PMI insurance.

Challenge Tax Assessment

Your local tax assessor may have your house overvalued if you live in a local area that is going down or is not appreciating as much as other properties nearby. 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 things like this, the better. Getting an appraisal report from JCI Appraisals is your #1 weapon when contesting your property tax assessment.

Recently got a freeze your HELOC?

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 near a declining area. Not only can this be difficult from a cash flow viewpoint, but it can be harmful to your credit score since it may appear as though that credit line is maxed out. JCI Appraisals can help you reinstate your HELOC.

Field and Desktop Appraisal Review Services

Have you just gotten a copy of your appraisal and you would wish to have an expert double-check it for accuracy or do you desire a second opinion without the charge and delay of waiting for a whole new appraisal? In a field review we will go out and check the subject and comparables. 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.

Need a retrospective review of an appraisal? We can help with that too. While typically requested by banks, you may desire to utilize this service if you suspect mortgage fraud related to your home.