Attention homeowners in Miami and Miami-Dade County: Need an appraisal?
The top seven reasons why Florida homeowners use Confidential Real Estate Consultants:
At Confidential Real Estate Consultants, we understand the unique needs of a homeowner after appraisal services. Our regular business clients are used to the appraisal process and the usual documents we provide. But as a consumer, we will give you extra guidance and explanations through the appraisal process to more clearly understand what we do and how we report our findings.
Pre-listing Services/For Sale by OwnerSince you have an emotional attachment to your own home, it's often very hard to be objective about it. Our professional appraisers at Confidential Real Estate Consultants are objective. We won't just tell you what you want to hear, we will tell you what you need to know. A professional appraisal is very important as a negotiating tool once you have an interested buyer, in addition to helping you set a realistic price to sell at so your home will attract many interested buyers. It gives you something tangible to show the buyer. An appraisal is an independent third party's opinion of your house's value -- not just you saying how much 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 professional appraiser's value opinion than yours.
Challenge a property tax assessmentLet's say your home is not appreciating as much as other properties nearby -- your local tax assessor may have your house overvalued. This means you're going to pay higher taxes than you should be paying. The quicker 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. Getting an appraisal from Confidential Real Estate Consultants is your strongest weapon when challenging your property tax assessment.
Appraisals to remove PMIGetting the PMI (Private Mortgage Insurance) canceled from your mortgage loan is a preferred way to save money for homeowners. Your monthly payments will go down once your mortgage loan amount is down 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. We're veterans in helping folks just like you abolish unnecessary PMI insurance.
Was your HELOC recently frozen?If your property is near a declining area, your lender might decide to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can be disadvantageous from a cash flow viewpoint, and harmful to your credit score since it may appear as though that credit line is maxed out. Confidential Real Estate Consultants can help you reinstate your HELOC.
Do You Need Field and Desktop Appraisal Review Services?Have you just been handed a copy of your appraisal and you would prefer to have a seasoned expert double-check it for verity or do you desire 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. If you're in a hurry, we'll provide 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 you may have had done before. While usually requested by banks, you may wish to utilize this service if you suspect mortgage fraud related to your property.