Attention homeowners in Naples and Collier & Lee County: Get an Appraisal today!
The top seven reasons Florida homeowners order from Michael Church Appraisals:
Do you own a home in or near Naples? Do you need help determining the price of your real estate?
At Michael Church Appraisals, we understand the particular needs of a homeowner after appraisal services. While our usual business clients understand the appraisal process and standard reporting formats, you as a consumer will get extra service in the form of an explanation of the process and even special consumer-friendly reporting forms if the assignment allows for them.
For Sale By Owner (FSBO)/Pre-Listing Services
It's very hard to be objective about your house because of your emotional attachment to it. The professional appraisers at Michael Church Appraisals will tell you what you need to know -- not just what you want to hear. We are objective. A professional appraisal is a very important negotiating tool once you have an attainable buyer, in addition to helping you set a realistic price to sell at so your house will attract interested buyers. 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 you think your house is worth. Potential buyers assume you have an emotional attachment to your house and will be more likely to give credibility to an expert appraiser's value assessment than yours.
Need to remove PMI?
A fashionable way to cut expenses 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". Once your mortgage loan is less than 80% of the value of your property, in most cases you can apply to your lender to have the PMI eliminated from your loan, which will make your monthly payments go down. We're experts in helping customers just like you rid yourselves of unwanted PMI insurance.
Challenge Collier county's assessment of your property
Your local tax assessor may have your house overvalued if your house not appreciating as much as other properties nearby. That only 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 sooner you take care of things like this, the better off you'll be. Getting an appraisal report from Michael Church Appraisals is your #1 weapon when challenging your property tax assessment.
Was your HELOC recently frozen?
Even if your specific property has not declined in value, your lender might choose to automatically freeze your home equity line of credit (HELOC) if your property is near a declining area. Not only can this be unsuitable from a cash flow standpoint, but it can be damaging to your credit score since it may appear as though that credit line is maxed out. Michael Church Appraisals can help you reinstate your HELOC.
Field and Desktop Appraisal Review Services
Do you need a seasoned appraiser with 25 years experience to double-check your appraisal for accuracy, or do you need a second opinion without the added expense and delay of waiting for a whole new appraisal? Michael Church, Cert Res RD8306, can go out and check the subject and comps in question in a field review. Or, if you're in a hurry, I can provide desk review and verify as many facts as I can using online data sources as well as our own files.
Need a retrospective review of an appraisal report? We can help you with that Even though this is typically requested by banks, you may desire to utilize this service if you suspect mortgage fraud related to your property.