Real estate appraisal services for homeowners in the city of Hobe Sound and Martin County
See the top 7 reasons FL homeowners hire Dana O'Hara Smith:
Do you own a home in or near Hobe Sound? Do you need help determining the price of your real estate?
At Dana O'Hara Smith, we understand the particular needs of a customer looking for appraisal services. While our typical business clients understand the appraisal process and standard reporting formats, you as a consumer will get extra customer 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/Pre-Listing Services
It's very hard to be objective about your own house because you probably have an emotional attachment to it. Professional appraisers, like the ones at Dana O'Hara Smith, are 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 price to sell at so your house will attract many interested buyers, a professional appraisal is very important as a negotiating tool once you have a potential buyer. It's something concrete to show your buyer. The appraisal is an independent third party's opinion of your house's value, not just you saying how much you think your home is worth. Potential buyers know you have an emotional attachment to your house and will be more likely to give credibility to a qualified appraiser's value opinion than yours.
Appraisals to cancel PMI
PMI stands for Private Mortgage Insurance. A popular way to cut expenses for homeowners is to get the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan is below 80% of the value of your house, in most cases you can apply to a lender to have the PMI canceled from your loan, which will make your monthly payments go down. At Dana O'Hara Smith, we're experienced in helping consumers just like you rid themselves of undesirable PMI insurance.
Challenge Tax Assessment
Your local tax assessor may have your house overvalued if your house not appreciating as much as other homes close to yours. This only means you are most likely paying higher taxes than you should be paying. The faster you take care of things like this, the better off you'll be, since your property assessment may likely go up again in the next period. An expert appraisal from Dana O'Hara Smith is your chief weapon when challenging your property tax assessment.
HELOC recently frozen?
Your lender may just make the decision to automatically freeze your home equity line of credit (HELOC) if your home is in or near a declining area -- even if your specific property has not declined in value. This can be be destructive to your credit score since it may appear as though that credit line is maxed out, and also annoying from a cash flow point of view. Dana O'Hara Smith can provide you with efficient appraisal that will help you reinstate your HELOC.
Need Field and Desktop Appraisal Review Services?
Have you just received a copy of your appraisal and you would wish to have a seasoned appraiser double-check it for accuracy or do you need a second opinion without the cost and delay of waiting for a whole new appraisal? We can go out and check the subject and comparables in question in a field review. If you need it ASAP, we'll provide 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? Dana O'Hara Smith can help with that too. While usually requested by banks, you may desire to exploit this service if you suspect mortgage fraud related to your property.