Attention homeowners in Naples and Collier County: Need an appraisal?
For Sale by Owner/Pre-Listing ServicesIt's very hard to be objective about your house because you probably have an 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. A professional appraisal is a very valuable negotiating tool once you have a likely buyer, in addition to helping you set a realistic selling price so your property will attract buyers. It's something tangible to show your buyer. It's an independent third party's opinion of your property's value, and not just you saying 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 a qualified appraiser's value report than yours.
Challenge a property tax assessmentLet's say your home is not appreciating as much as other homes nearby -- your local tax assessor may have your home overvalued. This only means you are paying 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 things like this, the better off you'll be. Getting an appraisal from Metro Appraisals is your strongest weapon when contesting your property tax assessment.
Getting the PMI (Private Mortgage Insurance) eliminated from your mortgage loan is a fashionable way to cut costs for homeowners.
Once your mortgage loan is less than 80% of the value of your property, in most cases you can apply to the lender to have the PMI removed from your loan, which will make your monthly payments go down.
We are seasoned in helping people just like you get rid of unwanted PMI insurance.
HELOC recently frozen?Your lender may make the decision to automatically freeze your home equity line of credit (HELOC) if your house is close to a declining area -- even if your specific property has not declined in value. Not only can this be difficult and inconvenient from a cash flow angle, but it can be detrimental to your credit score since it may appear as though that credit line is maxed out. Metro Appraisals can help you reinstate your home equity line of credit with a professional appraisal.
Do You Need Field and Desktop Appraisal Review Services?Have you just accepted a copy of your appraisal and you'd prefer to have a seasoned expert double-check it for precision or do you need a second opinion without the added cost and delay of waiting for a whole new appraisal? An appraiser from Metro Appraisals can go out and check the subject and comparables in a field review. Or, if you need it ASAP, 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 you with a retrospective review of any appraisal you may have had in the past. Even though most review work is requested by lenders, homeowners that have reason to believe a prior appraisal wasn't above board are prudent to get a second opinion.