Attention homeowners: Real estate appraisal services for in Naples and Collier County
Here are the top seven reasons FL homeowners need Metro Appraisals:
Own a home in or near Naples, FL and need help deciding the value of it?
At Metro Appraisals, we understand the unique needs of a customer in need of appraisal services. Our customary business clients get the appraisal process and the usual documents we provide. As our client, you will receive extra guidance and explanations through the appraisal process to better understand what we do and how we document our conclusions.
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. 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 property will attract many interested buyers, a professional appraisal is very crucial as a negotiating tool once you have an interested buyer. It gives you something concrete to show the buyer. It's an independent third party's opinion of your home's price, and not just how much your home is worth. Interested buyers know you have an emotional attachment to your house and will be much more likely to give credibility to an experienced appraiser's value judgement than yours.
Appraisals to cancel PMI
An attractive way to save money for homeowners is to get the PMI canceled 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 below 80% of the value of your house. In most cases you can apply to your lender to have the PMI eliminated from your loan. We're veterans in helping customers just like you abolish unnecessary PMI insurance.
Challenge Collier county's assessment of your property
Your local tax assessor may have your house overvalued if you live in a region that's declining or is not appreciating as much as other properties close to yours. This only 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 quicker you take care of a matter like this, the better. When challenging your property tax assessment, getting an appraisal from Metro Appraisals is your #1 weapon.
HELOC recently frozen?
If your property 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. This can be be harmful to your credit score since it may appear as though that credit line is maxed out, and also troublesome from a cash flow point of view. Metro Appraisals can provide you with a professional appraisal that will help you reinstate your home equity line of credit.
Field and Desktop Appraisal Review Services
Do you need a seasoned expert to double-check your appraisal for efficiency, or do you need a second opinion without the charge and delay of waiting for a whole new appraisal? In a field review we'll go out and check the subject and comparables in question. Or, if you need it in a rush, we can 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 report? Metro Appraisals can help you with that. Even though this is typically requested by banks, you may want to take advantage of this service if you suspect mortgage fraud related to your house.