Need an appraisal in Destin or Okaloosa County?
The top reasons FL homeowners hire Appraisal House, Inc.:
Do you own a home in or near Destin? Do you need help determining the value of your real estate?
We at Appraisal House, Inc. understand the individual needs of a homeowner after appraisal services. Our business practices and reporting formats are familiar to our business clients like lenders, attorneys, and CPAs. As our non-traditionalclient, we'll be sure you get extra guidance and explanations through the appraisal process to better understand what we do and how we report the results of our analysis.
For Sale By Owner (FSBO)/Pre-Listing Services
It's very hard to be objective about your own home because you probably have an emotional attachment to it. Professional appraisers, like the ones at Appraisal House, Inc., are objective. We'll tell you what you need to know, not just what you want to hear. In addition to helping you set a realistic selling price so your property will attract interested buyers, a professional appraisal is a crucial negotiating tool once you have a likely buyer. It's something tangible to show your buyer. An appraisal is an independent third party's opinion of your property's value -- not just how much your home is worth. Potential buyers assume you have an emotional attachment to your home and will be much more likely to give credibility to a seasoned appraiser's value report than yours.
Need to cancel PMI?
Getting the PMI (Private Mortgage Insurance) removed from your mortgage loan is a preferred way to cut costs for homeowners. Once your mortgage loan amount is less than 80% of the value of your house, in most cases you can apply to a lender to have the PMI eliminated from your loan, which will make your monthly payments go down. At Appraisal House, Inc., we're seasoned in helping people just like you dismiss unneeded PMI insurance.
Challenge a property tax assessment
Your local tax assessor may have your house overvalued if you live in an area that is declining. This means you are most likely paying higher taxes than you should be paying. 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. When challenging your property tax assessment, getting an appraisal report from Appraisal House, Inc. is your chief weapon.
HELOC recently frozen?
Your lender may just decide to automatically freeze your home equity line of credit (HELOC) if your home is in a declining area -- even if your specific property has not declined in value. This can this be difficult from a cash flow point of view, and detrimental to your credit score since it may appear as though that credit line is maxed out. Appraisal House, Inc. can help you reinstate your HELOC.
Field and Desktop Appraisal Review Services
Do you need a veteran appraiser to double-check your appraisal for verity, or do you desire a second opinion without the cost and delay of waiting for a whole new appraisal? In a field review we'll go out and check the subject and comparables. Or, if you're in a hurry, 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. While typically requested by banks, you may need to exercise this service if you suspect mortgage fraud related to your property.