Attention homeowners in Gainesville and Alachua County: Need an appraisal?

The top seven reasons FL homeowners use Collateral Appraisers, Inc.:

  1. To get a pre-listing appraisal (whether they're selling the home themselves or using a real estate agent)
  2. Challenge Alachua county's assessment of your propertyvalue
  3. To lower your mortgage payment by removing PMI
  4. Reinstate your Home Equity Line of Credit (HELOC)
  5. To review another appraiser's report for verification
  6. If property needs to be divided because of a divorce
  7. To settle an estate in FL by determining the true market value of real estate in question

Need help deciding the price of your house in or near Gainesville, FL?
Contact Collateral Appraisers, Inc..

At Collateral Appraisers, Inc., we understand the particular needs of a consumer after appraisal services. Our typical business clients are used to the appraisal process and the usual documents we provide. Being a regular person not in the real estate industry that most likely doesn't see an appraisal on a regular basis,we will provide you with extra guidance and explanations through the appraisal process to better understand what we do and how we present our conclusions.

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

It's very hard to be objective about your own home because you most likely have an emotional attachment to it. Professional appraisers, like the ones at Collateral Appraisers, 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 selling price so your property will attract interested buyers, a professional appraisal is a very valuable negotiating tool once you have a potential buyer. It gives you something tangible to show your buyer. An appraisal is an independent third party's opinion of your property's value -- not just you saying how much you think your home is worth. Potential buyers assume that you have an emotional attachment to your home and will be much more likely to give credibility to an accomplished appraiser's value report than yours.

Need to remove PMI?

An attractive way to cut costs for homeowners is getting the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Your monthly payments will go down once your mortgage loan amount is below 80% of the value of your home. In most cases you can apply to the lender to have the PMI canceled from your loan. Collateral Appraisers, Inc. is experts in helping clients just like you dismiss undesirable PMI insurance.

Challenge property tax assessments

Your local tax assessor may have your home overvalued if your home not appreciating as much as other houses close by. This only means you're most likely paying higher taxes than you should be paying. 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. A professional appraisal from Collateral Appraisers, Inc. is your best weapon when challenging your property tax assessment.

HELOC recently frozen?

Your lender just may choose 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 inopportune from a cash flow angle, and bad for your credit score since it may appear as though that credit line is maxed out. An appraisal from Collateral Appraisers, Inc. can help you reinstate your HELOC.

Do You Need Field and Desktop Appraisal Review Services?

Do you need a seasoned appraiser to double-check your appraisal for preciseness, 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 a field review. Or, if you need it in a rush, we can 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 you with a a retrospective review of any appraisal you may have had in the past. While typically requested by banks, you may wish to take advantage of this service if you suspect mortgage fraud related to your home.