Real estate appraisal services for homeowners in the city of Saint Augustine and Saint Johns County

Here are the top seven reasons why FL homeowners use St. Augustine Appraisal Group:

Pre-listing appraisals (whether you're using an agent or selling the home on your own)
Challenge a property tax assessment
To cut your mortgage payments by removing PMI
To reinstate your Home Equity Line of Credit (HELOC)
To review another appraiser's report for verification
If property needs to be divided because of a divorce
Determine the true market value of property in question to settle an estate

Need help deciding the price of your home in or near Saint Augustine, FL?
Contact St. Augustine Appraisal Group.

At St. Augustine Appraisal Group, we understand the individual needs of a homeowner after appraisal services. The appraisal process and reporting formats are relatively routine to our business clients like banks, lawyers, and CPAs. Being a person not in the real estate industry that most likely doesn't look at appraisals every day,you'll receive extra guidance and explanations through the appraisal process to better understand what we do and how we document the results of our analysis.

For Sale By Owner/Pre-Listing Services

Since you have an emotional attachment to your own house, it's often very hard to be objective about it. The professional appraisers at St. Augustine Appraisal Group will tell you what you need to know -- not just what you want to hear. We are objective. In addition to helping you set a realistic price to sell at so your home will attract interested buyers, a professional appraisal is very important as a negotiating tool once you have a likely buyer. It gives you something tangible to show your buyer. An appraisal is an independent third party's opinion of your house's value -- not just 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 a seasoned appraiser's value report than yours.

PMI Removal Appraisals

A fashionable way to cut costs for homeowners is to get the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Once your mortgage loan is less than 80% of the value of your home, 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. We are veterans in helping clients just like you rid yourselves of unneeded and unwanted PMI insurance.

Challenge property tax assessments

Your local tax assessor may have your home overvalued if you live in a region that's going down or not appreciating as much as other properties close by. This only means you're most likely paying higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the sooner you take care of a matter like this, the better off you'll be. An appraisal report from St. Augustine Appraisal Group is your best weapon when challenging your property tax assessment.

Recently got a freeze your HELOC?

Your lender may just 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 this be difficult from a cash flow standpoint, and detrimental to your credit score since it may appear as though that credit line is maxed out. St. Augustine Appraisal Group can help you reinstate your HELOC.

We Offer Field and Desktop Appraisal Review Services

Do you need a seasoned expert 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? An appraiser from St. Augustine Appraisal Group 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.

Do you need a retrospective review of an appraisal report? St. Augustine Appraisal Group can help with that too. While typically requested by banks, you may wish to utilize this service if you suspect mortgage fraud related to your house.