Real estate appraisal services for homeowners in the city of Middleburg and Clay County

Here are the top seven reasons FL homeowners hire Val Appraisal Services Inc:

Pre-listing appraisals (whether you're using an agent or selling the home on your own)
To challenge a FL property tax assessment
Remove PMI to reduce their mortgage payment
Reinstate their Home Equity Line of Credit (or HELOC)
Verify another appraiser's report
In the case of a FL divorce, where real estate property needs to be divided
To determine the true market value of real estate in question to settle an estate in Clay County or the state of FL

Do you own a house in or near Middleburg? Do you need help determining the value of your real estate?
Contact Val Appraisal Services Inc.

At Val Appraisal Services Inc, we understand the special needs of a customer in need of appraisal services. Our usual business clients get the appraisal process and the usual "products" we deliver to them. But as a consumer,we will provide you with extra guidance and explanations through the appraisal process to more clearly understand what we do and how we report our findings.

For Sale By Owner (FSBO)/Pre-Listing Services

Since you have an emotional attachment to your own home, it's often very hard to be objective about it. Our professional appraisers at Val Appraisal Services Inc are objective. We won't just tell you what you want to hear, we will tell you what you need to know. In addition to helping you set a realistic selling price so your house will attract many interested buyers, a professional appraisal is a crucial negotiating tool once you have an interested buyer. It's something tangible to show your buyer. An appraisal is an independent third party's opinion of your house's value -- not just how much your house is worth. Interested buyers assume that you have an emotional attachment to your home and will be far more likely to give credibility to a seasoned appraiser's value opinion than yours.

Need to remove PMI?

PMI stands for Private Mortgage Insurance. An attractive 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 amount is less than 80% of the value of your house, in most cases you can apply to your lender to have the PMI removed from your loan, which will make your monthly payments go down. Val Appraisal Services Inc is veterans in helping clients just like you delete unneeded PMI insurance.

Challenge property tax assessments

Your local tax assessor may have your home overvalued if you live in a local area that is declining or not appreciating as much as other houses close by. This only means you are most likely paying higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the faster you take care of things like this, the better. An appraisal report from Val Appraisal Services Inc is your #1 weapon when contesting 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 house is in a declining area -- even if your specific property has not declined in value. This can this be difficult and inconvenient from a cash flow point of view, and detrimental to your credit score since it may appear as though that credit line is maxed out. Val Appraisal Services Inc can provide you with an expert appraisal that will help you reinstate your home equity line of credit.

We Also Provide Field and Desktop Appraisal Review Services

Have you just received a copy of your appraisal and you would wish to have an expert double-check it for verity or do you want a second opinion without the expense and delay of waiting for a whole new appraisal? An appraiser from Val Appraisal Services Inc can go out and check the subject and comparables in a field review. 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.

Need a retrospective review of an appraisal? We can help you with that Even though this is typically requested by banks, you may wish to exploit this service if you suspect mortgage fraud related to your home.