Appraisal services for Port Richey and Pasco County homeowners
Here are the top 7 reasons FL homeowners need Deborah M Hall :
Do you own a home in or near Port Richey? Do you need help determining the price of your real estate?
At Deborah M Hall , we understand the individual needs of a consumer looking for appraisal services. While our usual business 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.
Pre-listing Services/For Sale By Owner (FSBO)
It's very hard to be objective about your own house because of your emotional attachment to it. Professional appraisers, like the ones at Deborah M Hall , are objective. We'll tell you what you need to know, not just what you want to hear. A professional appraisal is very crucial as a negotiating tool once you have a likely buyer, in addition to helping you set a realistic selling price so your home will attract many interested buyers. It gives you something tangible to show the buyer. An appraisal is an independent third party's opinion of your property's price -- not just how much your home is worth. Interested buyers assume that you have an emotional attachment to your home and will be far more likely to give credibility to an expert appraiser's value judgement than yours.
Appraisals to remove PMI
PMI stands for Private Mortgage Insurance. A preferred way to save money for homeowners is to get the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan amount is below 80% of the value of your home, in most cases you can apply to a lender to have the PMI removed from your loan, which will make your monthly payments go down. Deborah M Hall is experienced in helping folks just like you delete unnecessary PMI insurance.
Challenging property tax assessments
Your local tax assessor may have your home overvalued if you live in an area that is going down. This only means you're most likely paying higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the quicker you take care of a matter like this, the better. Getting an appraisal report from Deborah M Hall is your best weapon when contesting your property tax assessment.
HELOC recently frozen?
Your lender may just make the decision 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 detrimental to your credit score since it may appear as though that credit line is maxed out, and also difficult from a cash flow angle. An expert appraisal from Deborah M Hall can help you reinstate your HELOC.
Field and Desktop Appraisal Review Services
Would you like a second opinion without the added expense and delay of waiting for a whole new appraisal? Or do you desire a seasoned expert to double-check your appraisal for efficiency? In a field review we'll go out and check the subject and comps. If you need it immediately, we'll 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? Deborah M Hall can We can assist you. While usually requested by banks, you may wish to employ this service if you suspect mortgage fraud related to your home.