Appraisal services for WINTER HAVEN and Polk County homeowners
The top seven reasons why Florida homeowners use The Hohman Appraisal Company:
We at The Hohman Appraisal Company understand the special needs of a customer seeking appraisal services. Our typical business clients get the appraisal process and the customary "products" we deliver to them. As our valued client, we will give you extra guidance and explanations through the appraisal process to understand what we do and how we report the results of our analysis.
For-Sale-by-Owner (FSBO) / Pre-Listing ServicesIt's very hard to be objective about your own house because of your emotional attachment to it. Our professional appraisers at The Hohman Appraisal Company are objective. We won't just tell you what you want to hear, we will tell you what you need to know. A professional appraisal is very crucial as a negotiating tool once you have a potential buyer, in addition to helping you set a realistic price to sell at so your home will attract interested buyers. It gives you something concrete to show your buyer. The appraisal is an independent third party's opinion of your house's value, not just how much your house is worth. Interested buyers know that you have an emotional attachment to your house and will be much more likely to give credibility to an experienced appraiser's value conclusion than yours.
Challenging a property tax assessmentLet's say you live in a region that is declining -- your local tax assessor may have your home overvalued. That means you're most likely paying more taxes than you should. The earlier 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. Getting a professional appraisal from The Hohman Appraisal Company is your strongest weapon when contesting your property tax assessment.
Need to remove PMI?Getting 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 amount is down 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. We're seasoned in helping clients just like you rid yourselves of unwanted and unneeded PMI insurance.
Recently got a freeze to your HELOC?Even if your specific property has not declined in value, your lender just might decide to automatically freeze your home equity line of credit (HELOC) if your home is close to a declining area. Not only can this be troublesome from a cash flow angle, but it can be negative on your credit score since it may appear as though that credit line is maxed out. The Hohman Appraisal Company can help you reinstate your HELOC.
We Also Offer Field and Desktop Appraisal Review ServicesWould 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 preciseness? The Hohman Appraisal Company offers field reviews where we'll go out and check the subject and comps. Or, if you're in a rush, we can provide you with a 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 assist you. While typically requested by banks, you may wish to make use of this service if you suspect mortgage fraud related to your home.