Appraisal services for Port Saint Joe and Gulf County homeowners
The top seven reasons why FL homeowners call on April Linton Smith Appraisals:
Own a home in or near Port Saint Joe, FL and need help determining the value of it?
We at April Linton Smith Appraisals understand the unique needs of a consumer after 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)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 April Linton Smith Appraisals, are objective. We will tell you what you need to know, not just what you want to hear. A professional appraisal is very valuable as a negotiating tool once you have a potential buyer, in addition to helping you set a realistic price to sell at so your property will attract many interested buyers. The appraisal is something concrete to show your buyer. It's an independent third party's opinion of your property's value, and not just you saying how much you think your house is worth. Potential buyers assume you have an emotional attachment to your home and will be far more likely to give credibility to an expert appraiser's value opinion than yours. Appraisals to remove PMIA fashionable way to cut expenses 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 property. In most cases you can apply to a lender to have the PMI eliminated from your loan. We're experienced in helping customers just like you do away with undesirable PMI insurance. Challenge a property tax assessmentIf you live in an area that is going down or not appreciating as much as other houses close to yours, your local tax assessor may have your house overvalued. This means you are paying higher taxes than you should be paying. The sooner you take care of a matter like this, the better, since your property assessment may likely go up again in the next period. Getting an appraisal report from April Linton Smith Appraisals is your strongest weapon when contesting your property tax assessment. Recently got a freeze your HELOC?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. Not only can this be annoying from a cash flow standpoint, but it can be harmful to your credit score since it may appear as though that credit line is maxed out. April Linton Smith Appraisals can help you reinstate your HELOC. Field and Desktop Appraisal Review ServicesWould you like a second opinion without the added expense and delay of waiting for a whole new appraisal? Or do you desire a seasoned appraiser to double-check your appraisal for accuracy? April Linton Smith Appraisals offers field reviews where we go out and check the subject and comps in question. If you need it ASAP, 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. We can also provide you with a a retrospective review of any appraisal report 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. |