Attention homeowners in Piqua and Miami County: Need an appraisal?

The top seven reasons why OH homeowners call on Lashonda Hayes:

  1. Pre-listing appraisals (whether you're using an agent or selling the home on your own)
  2. Challenge a property tax assessment
  3. To lower your mortgage payment by removing PMI
  4. Reinstate their Home Equity Line of Credit (HELOC)
  5. Verify a different appraiser's report
  6. If real estate needs to be divided because of a divorce
  7. Settle an estate in OH by determining the true market value of real estate in question

Need help deciding the price of your home in or near Piqua, OH?
Contact Lashonda Hayes.

We at Lashonda Hayes understand the unique needs of a homeowner looking for appraisal services. While our usual clients understand the appraisal process and standard reporting formats, you as a consumer will get extra customer service in the form of an explanation of the process and even special consumer-friendly reporting forms if the assignment allows for them.

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

Since you have an emotional attachment to your house, it's often very hard to be objective about it. The professional appraisers at Lashonda Hayes 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 house will attract buyers, a professional appraisal is a very important negotiating tool once you have an attainable buyer. The appraisal is something tangible to show your buyer. The appraisal is an independent third party's opinion of your home's value, not just how much you think your home is worth. Interested buyers know you have an emotional attachment to your house and will be far more likely to give credibility to an accomplished appraiser's value judgement than yours.

Appraisals to remove PMI

An attractive way to cut costs for homeowners is to get the PMI removed 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 less than 80% of the value of your home. In most cases you can apply to the lender to have the PMI eliminated from your loan. At Lashonda Hayes, we're seasoned in helping clients just like you get rid of unneeded PMI insurance.

Challenge Tax Assessment

Lets say you live in a local area that is declining -- your local tax assessor may have your house overvalued. This means you are going to pay 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 a matter like this, the better. An appraisal report from Lashonda Hayes is your best weapon when contesting your property tax assessment.

Was your HELOC recently frozen?

If your house is in a declining area, your lender might make the decision to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can be be harmful to your credit score since it may appear as though that credit line is maxed out, and also unsuitable from a cash flow point of view. Lashonda Hayes can help you reinstate your HELOC.

We Also Offer Field and Desktop Appraisal Review Services

Would you prefer a second opinion without the cost and delay of waiting for a whole new appraisal? Or do you desire a seasoned appraiser to double-check your appraisal for efficiency? We can go out and check the subject and comparables in question in a field review. Or, if you need it 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? Lashonda Hayes can We can assist you. Even though this is typically requested by banks, you may desire to use this service if you suspect mortgage fraud related to your house.