Appraisal services for Naples and Collier County homeowners
Here are the top reasons Florida homeowners need Metro Appraisals:
At Metro Appraisals, we understand the unique needs of a customer looking for appraisal services. Our business practices and reporting formats are relatively routine to our business clients like banks, lawyers, and accountants. Being a regular consumer that most likely doesn't see an appraisal every day, you will receive extra guidance and explanations through the appraisal process to understand what we do and how we document the results of our analysis.
Pre-listing Services/For Sale by Owner (FSBO)It's very hard to be objective about your home because of your emotional attachment to it. Professional appraisers, like the ones at Metro Appraisals, will be objective. We will 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 home will attract buyers, a professional appraisal is very crucial as a negotiating tool once you have an interested buyer. The appraisal is something concrete to show your buyer. The appraisal is an independent third party's opinion of your house's market value, not just you saying how much your home is worth. Potential buyers know that you have an emotional attachment to your house and will be more likely to give credibility to a seasoned appraiser's value assessment than yours.
Challenge Tax AssessmentIf you live in a region that is going down or is not appreciating as much as other properties nearby, your local tax assessor may have your home overvalued. That means you're going to pay more taxes than you should. Since your property assessment may likely go up again in the next period, the quicker you take care of things like this, the better. Getting an expert appraisal from Metro Appraisals is your perfect weapon when contesting your property tax assessment.
Need to cancel PMI?PMI stands for Private Mortgage Insurance. An attractive way to cut expenses for homeowners is to get the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. Your monthly payments will go down once your mortgage loan amount is below 80% of the value of your property. In most cases you can apply to the lender to have the PMI eliminated from your loan. Metro Appraisals is experienced in helping customers just like you abolish unnecessary PMI insurance.
Recently got a freeze to your HELOC?If your home is in a declining area, your lender might just choose to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can be detrimental to your credit score since it may appear as though that credit line is maxed out, and also disadvantageous from a cash flow standpoint. Metro Appraisals can help you reinstate your HELOC.
Do You Need Field and Desktop Appraisal Review Services?Would you prefer a second opinion without the charge and delay of waiting for a whole new appraisal? Or do you want a seasoned expert to double-check your appraisal for verity? An appraiser from Metro Appraisals can go out and check the subject and comparables in a field review. If you're in a hurry, 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 a retrospective review of any appraisal report you may have in your possession. Even though most review work is commissioned by lenders, homeowners that have reason to believe they've been the victim of mortgage fraud are wise to get a second opinion.