Attention homeowners in Beverly Hills and Citrus County: Get an Appraisal today!

Here are the top 7 reasons why FL homeowners call on Angela Smith Appraisals and REO Services:

To get a pre-listing appraisal (whether they're selling the home themselves or using an agent)
Challenge a property tax assessment
To cut their monthly mortgage payment by removing PMI
To reinstate your Home Equity Line of Credit (HELOC)
Review another appraiser's report for verification
In the case of a FL divorce, when real estate needs to be divided
To settle an estate in FL by determining the true market value of real estate in question

Need help deciding the value of your house in or near Beverly Hills, FL?
Contact Angela Smith Appraisals and REO Services.

At Angela Smith Appraisals and REO Services, we understand the unique needs of a customer after 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.

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

It's very hard to be objective about your home because you most likely have an emotional attachment to it. Professional appraisers, like the ones at Angela Smith Appraisals and REO Services, will be 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 price to sell at so your property 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 the buyer. It's an independent third party's opinion of your home's value, and not just how much your home is worth. Interested buyers know you have an emotional attachment to your home and will be far more likely to give credibility to an accomplished appraiser's value assessment than yours.

Need to remove PMI?

PMI stands for Private Mortgage Insurance. A fashionable way to cut costs for homeowners is getting the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. Your monthly payments will go down once your mortgage loan is below 80% of the value of your property. In most cases you can apply to a lender to have the PMI eliminated from your loan. We are qualified in helping people just like you do away with unwanted and unneeded PMI insurance.

Challenging Citrus county's assessment of your property

Lets say your home is not appreciating as much as other homes close to yours -- your local tax assessor may have your house overvalued. 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 earlier you take care of things like this, the better off you'll be. When contesting your property tax assessment, getting an appraisal from Angela Smith Appraisals and REO Services is your strongest weapon.

HELOC recently frozen?

Your lender just might make the decision to automatically freeze your home equity line of credit (HELOC) if your property is close to a declining area -- even if your specific property has not declined in value. This can be be bad for your credit score since it may appear as though that credit line is maxed out, and also unsuitable from a cash flow angle. Angela Smith Appraisals and REO Services can provide you with a professional appraisal that will help you reinstate your home equity line of credit.

We Offer Field and Desktop Appraisal Review Services

Have you just been handed a copy of your appraisal and you'd wish to have a seasoned professional double-check it for precision or do you need a second opinion without the cost and delay of waiting for a whole new appraisal? We can go out and check the subject and comps in question in a field review. If you need it immediately, 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. Even though this is usually requested by banks, you may desire to utilize this service if you suspect mortgage fraud related to your house.