Real estate appraisal services for homeowners in the city of Cocoa Beach and Brevard County
The top reasons Florida homeowners order from Lighthouse Appraisal:
At Lighthouse Appraisal, we understand the special needs of a homeowner looking for appraisal services. Our business practices and reporting formats are familiar to our business clients like banks, lawyers, and CPAs. But as a general consumer, you will receive extra guidance and explanations through the appraisal process to better understand what we do and how we report our findings.
For Sale by Owner/Pre-Listing ServicesIt's very hard to be objective about your own home because of your emotional attachment to it. A professional appraiser is objective and 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 house will attract buyers, a professional appraisal is a very valuable negotiating tool once you have a likely buyer. The appraisal is something concrete to show your buyer. The appraisal is an independent third party's opinion of your house's market value, not just you saying how much you think your home is worth. Interested buyers know that you have an emotional attachment to your house and will be more likely to give credibility to an experienced appraiser's value report than yours.
Challenging a property tax assessmentLet's say you live in a local area that is going down -- your local tax assessor may have your house overvalued. This only means you're paying higher taxes than you should be paying. The earlier you take care of things like this, the better, since your property assessment may likely go up again in the next period. When contesting your property tax assessment, getting an appraisal report from Lighthouse Appraisal is your number one weapon.
Appraisals to cancel PMIGetting the PMI (Private Mortgage Insurance) canceled from your mortgage loan is a fashionable way to save money for homeowners. Your monthly payments will go down once your mortgage loan is less than 80% of the value of your house. In most cases you can apply to a lender to have the PMI canceled from your loan. We're veterans in helping homeowners just like you remove undesirable PMI insurance.
Was your HELOC recently frozen?Your lender might make the decision to automatically freeze your home equity line of credit (HELOC) if your property is near a declining area -- even if your specific property has not declined in value. This can be unsuitable from a cash flow viewpoint, and destructive to your credit score since it may appear as though that credit line is maxed out. An appraisal from Lighthouse Appraisal can help you reinstate your HELOC.
Need Field and Desktop Appraisal Review Services?Would you like a second opinion without the expense and delay of waiting for a whole new appraisal? Or do you desire a veteran appraiser to double-check your appraisal for precision? We can go out and check the subject and comparables in a field review. If you're in a hurry, we'll provide desk review and verify as many facts as we can, using online data sources as well as our own files.
Do you need a retrospective review of an appraisal report? We can help with that too. While typically requested by banks, you may desire to exercise this service if you suspect mortgage fraud related to your house.