Real estate appraisal services for homeowners in the city of Naples and Collier County
Here are the top 7 reasons Florida homeowners hire Maryann Ostolaza Appraisal Services, Inc.:
We at Maryann Ostolaza Appraisal Services, Inc. understand the special needs of a consumer in need of appraisal services. Our usual business clients are used to the appraisal process and the usual documents we provide. As our client, you will receive 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 house, it's often very hard to be objective about it. Professional appraisers, like the ones at Maryann Ostolaza Appraisal Services, Inc., will be 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 property will attract interested buyers, a professional appraisal is very valuable as a negotiating tool once you have a likely buyer. The appraisal is something tangible to show the buyer. It's an independent third party's opinion of your property's value, and not just you saying how much you think your home is worth. Interested buyers assume that you have an emotional attachment to your home and will be much more likely to give credibility to a professional appraiser's value report than yours.
Challenging property tax assessmentsLet's say your home is not appreciating as much as other properties close by -- your local tax assessor may have your house overvalued. That means you are most likely paying more taxes than you should. The sooner you take care of a matter like this, the better off you'll be, since your property assessment may likely go up again in the next period. When challenging your property tax assessment, getting an expert appraisal from Maryann Ostolaza Appraisal Services, Inc. is your strongest weapon.
Need to remove PMI?Getting the PMI (Private Mortgage Insurance) eliminated from your mortgage loan is a preferred money saver for homeowners. Your monthly payments will go down once your mortgage loan is below 80% of the value of your home. In most cases you can apply to the lender to have the PMI removed from your loan. We are veterans in helping customers just like you get rid of undesirable PMI insurance.
HELOC recently frozen?Even if your specific property has not declined in value, your lender might just decide to automatically freeze your home equity line of credit (HELOC) if your property is close to a declining area. This can be damaging to your credit score since it may appear as though that credit line is maxed out, and also annoying from a cash flow viewpoint. Maryann Ostolaza Appraisal Services, Inc. can help you reinstate your HELOC.
We Also Offer Field and Desktop Appraisal Review ServicesDo you need a professional to double-check your appraisal for efficiency, or do you desire a second opinion without the added expense 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 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 a retrospective review of any appraisal report you may have had in the past. Although most review work is requested by lenders for quality control, homeowners suspecting a prior appraisal wasn't above board are wise to get a second opinion.