Attention homeowners in St Johns and Saint Johns County: Get an Appraisal today!
Check out the top reasons FLORIDA (FL) homeowners need Mark Schofield Appraisal Services :
Need help deciding the price of your home in or near St Johns, FLORIDA (FL)?
We at Mark Schofield Appraisal Services understand the unique needs of a homeowner looking for appraisal services. While our typical clients understand the appraisal process and standard reporting formats, you as a consumer will get an extra level of 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 (FSBO)/Pre-Listing Services
It's very hard to be objective about your own home because you most likely have an emotional attachment to it. A professional appraiser is objective and will 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 price to sell at so your home will attract many interested buyers. The appraisal is something tangible to show your buyer. The appraisal is an independent third party's opinion of your house's value, not just you saying how much 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 report than yours.
Appraisals to cancel PMI
Getting the PMI (Private Mortgage Insurance) eliminated from your mortgage loan is a popular money saver for homeowners. Once your mortgage loan is less than 80% of the value of your house, in most cases you can apply to the lender to have the PMI removed from your loan, which will make your monthly payments go down. We are qualified in helping clients just like you abolish unwanted and unneeded PMI insurance.
Challenge property tax assessments
If you live in a region that is going down or is not appreciating as much as other houses nearby, your local tax assessor may have your home overvalued. That only means you are going to pay more taxes than you should. 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. Getting an appraisal from Mark Schofield Appraisal Services is your strongest weapon when contesting your property tax assessment.
HELOC recently frozen?
Even if your specific property has not declined in value, your lender may just choose to automatically freeze your home equity line of credit (HELOC) if your house is near a declining area. This can this be unsuitable from a cash flow viewpoint, and bad for your credit score since it may appear as though that credit line is maxed out. Mark Schofield Appraisal Services can help you reinstate your home equity line of credit with efficient appraisal.
We Also Provide Field and Desktop Appraisal Review Services
Would you like a second opinion without the charge and delay of waiting for a whole new appraisal? Or do you desire a professional to double-check your appraisal for efficiency? Mark Schofield Appraisal Services offers field reviews where we'll go out and check the subject and comps in question. If you need it in a rush, 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 you with a a retrospective review of any appraisal you may have had in the past. While typically requested by banks, you may need to employ this service if you suspect mortgage fraud related to your property.