Need an appraisal in Ponte Vedra or Saint Johns County?
The top reasons FL homeowners use Homeowner Appraisal Services:
Need help determining the price of your house in or near Ponte Vedra, FL?
We at Homeowner Appraisal Services understand the unique needs of a consumer in need of appraisal services. While our typical clients understand the appraisal process and standard reporting formats, you as a consumer will get an extra level of customer 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
It's very hard to be objective about your own home because of your emotional attachment to it. A professional appraiser is objective and will tell you what you need to know, not just what you want to hear. In addition to helping you set a realistic price to sell at so your house will attract interested buyers, a professional appraisal is very valuable as a negotiating tool once you have an interested buyer. It gives you something concrete to show your buyer. The appraisal is an independent third party's opinion of your property's price, not just you saying how much you think your home is worth. Potential buyers know you have an emotional attachment to your home and will be much more likely to give credibility to a seasoned appraiser's value assessment than yours.
Need to cancel PMI?
A popular money saver for homeowners is to get the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Once your mortgage loan amount is below 80% of the value of your home, in most cases you can apply to the lender to have the PMI canceled from your loan, which will make your monthly payments go down. We're experienced in helping homeowners just like you remove unnecessary PMI insurance.
Challenging Saint Johns county's assessment of your property
Your local tax assessor may have your home overvalued if you live in a local area that's going down or not appreciating as much as other homes close by. That only means you are 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 a matter like this, the better off you'll be. Getting an appraisal from Homeowner Appraisal Services is your number one weapon when challenging your property tax assessment.
HELOC recently frozen?
Your lender might just choose to automatically freeze your home equity line of credit (HELOC) if your house is in a declining area -- even if your specific property has not declined in value. This can be be damaging to your credit score since it may appear as though that credit line is maxed out, and also disadvantageous from a cash flow viewpoint. A professional appraisal from Homeowner Appraisal Services can help you reinstate your HELOC.
Do You Need Field and Desktop Appraisal Review Services?
Have you just received a copy of your appraisal and you'd like to have a seasoned appraiser double-check it for verity or do you want a second opinion without the charge and delay of waiting for a whole new appraisal? Homeowner Appraisal Services offers field reviews where we go out and check the subject and comparables in question. If you need it 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.
Do you need a retrospective review of an appraisal? Homeowner Appraisal Services can help you with that. While typically requested by banks, you may need to utilize this service if you suspect mortgage fraud related to your property.