Appraisal services for Tampa and Hillsborough County homeowners

The top seven reasons why FL homeowners hire Raymond Appraisal Services:

  1. To get a pre-listing appraisal (whether they're selling the home themselves or using an agent)
  2. Challenge property tax assessments
  3. Remove PMI to lower their mortgage payments
  4. To reinstate their Home Equity Line of Credit (or HELOC)
  5. To review another appraiser's report for verification
  6. In the case of a FL divorce, where property needs to be divided
  7. To determine the true market value of property in question to settle an estate in Hillsborough County or the state of FL

Need help determining the price of your home in or near Tampa, FL?
Contact Raymond Appraisal Services.

We at Raymond Appraisal Services understand the special needs of a customer seeking appraisal services. While our usual business clients understand the appraisal process and standard reporting formats, you as a consumer will get extra customer service in the form of an explanation of the process and even special consumer-friendly reporting forms if the assignment allows for them.

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

It's very hard to be objective about your house because of your emotional attachment to it. Professional appraisers, like the ones at Raymond Appraisal Services, are 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 house will attract many interested buyers, a professional appraisal is very crucial as a negotiating tool once you have an interested buyer. The appraisal is something tangible to show the buyer. It's an independent third party's opinion of your property's price, and not just how much you think your home is worth. Interested buyers assume that you have an emotional attachment to your house and will be much more likely to give credibility to an expert appraiser's value conclusion than yours.

PMI Removal Appraisals

Getting the PMI (Private Mortgage Insurance) canceled from your mortgage loan is an attractive way to cut costs for homeowners. Once your mortgage loan amount is down below 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. At Raymond Appraisal Services, we're qualified in helping clients just like you remove unwanted and unneeded PMI insurance.

Challenging Hillsborough county's assessment of your property

Your local tax assessor may have your house overvalued if your house not appreciating as much as other properties nearby. This means you're paying higher taxes than you should be paying. The sooner 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. When contesting your property tax assessment, getting an expert appraisal from Raymond Appraisal Services is your #1 weapon.

Was your HELOC recently frozen?

If your home is close to a declining area, your lender just might make the decision to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. Not only can this be annoying from a cash flow angle, but it can be bad for your credit score since it may appear as though that credit line is maxed out. Raymond Appraisal Services can help you reinstate your HELOC.

Need Field and Desktop Appraisal Review Services?

Do you need a seasoned appraiser to double-check your appraisal for accuracy, or do you desire a second opinion without the added cost and delay of waiting for a whole new appraisal? An appraiser from Raymond Appraisal Services can go out and check the subject and comps in question in a field review. If you're in a hurry, 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 in your possession. While usually requested by banks, you may wish to exercise this service if you suspect mortgage fraud related to your property.