Attention homeowners in Cocoa and Brevard County: Need an appraisal?
See the top 7 reasons FL homeowners hire Sharon R. Cahill-Ervin:
Need help determining the price of your house in or near Cocoa, FL?
At Sharon R. Cahill-Ervin, we understand the unique needs of a customer in need of appraisal services. The appraisal process and reporting formats are familiar to our business clients like lenders, attorneys, and CPAs. Being a regular person not in the real estate business that most likely doesn't look at appraisals on a regular basis,you can expect extra guidance and explanations through the appraisal process to understand what we do and how we document our findings.
For Sale By Owner/Pre-Listing Services
Since you have an emotional attachment to your own home, it's often very hard to be objective about 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 valuable as a negotiating tool once you have a potential buyer, in addition to helping you set a realistic selling price 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 how much your house is worth. Potential buyers assume that you have an emotional attachment to your home and will be more likely to give credibility to a seasoned appraiser's value assessment than yours.
Appraisals to cancel PMI
A fashionable way to cut costs 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 amount is less than 80% of the value of your house, 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. Sharon R. Cahill-Ervin is experienced in helping consumers just like you do away with unneeded PMI insurance.
Challenging property tax assessments
Your local tax assessor may have your home overvalued if you live in a local area that's going down or not appreciating as much as other houses close by. This only means you are paying higher taxes than you should be paying. The sooner you take care of a matter like this, the better, since your property assessment may likely go up again in the next period. Getting an appraisal from Sharon R. Cahill-Ervin is your best weapon when challenging your property tax assessment.
Recently got a freeze your HELOC?
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 home is close to a declining area. This can be be destructive to your credit score since it may appear as though that credit line is maxed out, and also difficult from a cash flow standpoint. An appraisal from Sharon R. Cahill-Ervin can help you reinstate your HELOC.
We Also Provide Field and Desktop Appraisal Review Services
Have you just been handed a copy of your appraisal and you would wish to have a seasoned expert double-check it for preciseness or do you want a second opinion without the cost and delay of waiting for a whole new appraisal? Sharon R. Cahill-Ervin offers field reviews where we'll go out and check the subject and comps. If you need it ASAP, 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 report you may have in your possession. Even though this is usually requested by banks, you may need to make use of this service if you suspect mortgage fraud related to your house.