Homeowner Appraisal Services
The top seven reasons why FL homeowners hire DeWitt and Brock, Inc.:
Do you own a home in or near Ponte Vedra Beach? Do you need help determining the price of your real estate?
We at DeWitt and Brock, Inc. understand the unique needs of a consumer in need of appraisal services. Our customary business clients understand the appraisal process and the customary documents we provide. But as a general consumer,you can expect extra guidance and explanations through the appraisal process to better understand what we do and how we document our findings.
Pre-listing Services/For Sale By Owner
Since you have an emotional attachment to your own home, it's often very hard to be objective about it. Professional appraisers, like the ones at DeWitt and Brock, Inc., will be objective. We'll tell you what you need to know, not just what you want to hear. A professional appraisal is very important as a negotiating tool once you have a potential buyer, in addition to helping you set a realistic selling price so your property will attract buyers. The appraisal is something tangible to show your buyer. An appraisal is an independent third party's opinion of your house's price -- not just you saying how much you think your home is worth. Interested buyers assume you have an emotional attachment to your house and will be far more likely to give credibility to an experienced appraiser's value opinion than yours.
Appraisals to remove PMI
Getting the PMI (Private Mortgage Insurance) removed from your mortgage loan is an attractive way to save money for homeowners. Once your mortgage loan is less than 80% of the value of your home, in most cases you can apply to your 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 abolish unneeded PMI insurance.
Challenge a property tax assessment
Lets say you live in an area that's going down -- your local tax assessor may have your home overvalued. That only means you are most likely paying more taxes than you should. The sooner you take care of things like this, the better, since your property assessment may likely go up again in the next period. An appraisal from DeWitt and Brock, Inc. is your best weapon when contesting your property tax assessment.
Was your HELOC recently frozen?
If your home is in or near a declining area, your lender may choose 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 unsuitable 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. DeWitt and Brock, Inc. can help you reinstate your home equity line of credit with efficient appraisal.
Do You Need Field and Desktop Appraisal Review Services?
Do you need a seasoned professional to double-check your appraisal for precision, or do you want a second opinion without the cost and delay of waiting for a whole new appraisal? We can go out and check the subject and comps in question in a field review. Or, if you're in a hurry, 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? DeWitt and Brock, Inc. can We can assist you. While usually requested by banks, you may want to make use of this service if you suspect mortgage fraud related to your home.