Need an appraisal in Sorrento or Lake County?

Check out the top 7 reasons why FL homeowners call on Stephens Appraisals of Central Florida:

  1. Get a pre-listing appraisal (whether you're using a real estate agent or selling the home on your own)
  2. Challenge property tax assessments
  3. To reduce a mortgage payment by removing PMI
  4. To reinstate your Home Equity Line of Credit (or HELOC)
  5. Verify a different appraiser's report
  6. If real estate needs to be divided because of a divorce
  7. Determine the true market value of property in question to settle an estate

Need help deciding the value of your house in or near Sorrento, FL?
Contact Stephens Appraisals of Central Florida.

We at Stephens Appraisals of Central Florida understand the particular needs of a customer after appraisal services. While our usual clients understand the appraisal process and standard reporting formats, you as a consumer will get an extra level of 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)

Since you have an emotional attachment to your house, it's often very hard to be objective about it. Our professional appraisers at Stephens Appraisals of Central Florida 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 property will attract buyers, a professional appraisal is very important as a negotiating tool once you have an attainable buyer. It's something tangible to show the buyer. It's an independent third party's opinion of your house's price, and not just how much you think your house is worth. Interested buyers know you have an emotional attachment to your house and will be far more likely to give credibility to an expert appraiser's value assessment than yours.

Appraisals to cancel PMI

A popular money saver 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". Once your mortgage loan amount is down below 80% of the value of your property, 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. Stephens Appraisals of Central Florida is experienced in helping consumers just like you dismiss unwanted and unneeded PMI insurance.

Challenging a property tax assessment

Your local tax assessor may have your house overvalued if you live in a region that's declining or is not appreciating as much as other homes close by. This means you are probably paying higher taxes than you should be paying. The faster 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. Getting an expert appraisal from Stephens Appraisals of Central Florida is your chief weapon when challenging your property tax assessment.

Was your HELOC recently frozen?

Your lender may 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. Not only can this be inconvenient from a cash flow standpoint, but it can be negative on your credit score since it may appear as though that credit line is maxed out. Stephens Appraisals of Central Florida can provide you with efficient appraisal that will help you reinstate your home equity line of credit.

Field and Desktop Appraisal Review Services

Do you need an expert to double-check your appraisal for efficiency, or do you desire a second opinion without the charge and delay of waiting for a whole new appraisal? An appraiser from Stephens Appraisals of Central Florida can go out and check the subject and comparables in question in a field review. If you need it ASAP, 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? Stephens Appraisals of Central Florida can We can assist you. While usually requested by banks, you may wish to make use of this service if you suspect mortgage fraud related to your home.