Appraisal services for Tarpon Springs and Pinellas County homeowners

See the top seven reasons why Florida homeowners order from Shannon Waters-Mitchell:

To get a pre-listing appraisal (whether they're selling the home on their own or using an agent)
To challenge a Florida property tax assessment
To lower a monthly mortgage payment by removing PMI
To reinstate their Home Equity Line of Credit (HELOC)
Verify another appraiser's report
If real estate property needs to be divided because of a divorce
Settle an estate in Florida by determining the true market value of real estate in question

Own a home in or near Tarpon Springs, Florida and need help determining the price of it?
Contact Shannon Waters-Mitchell.

At Shannon Waters-Mitchell, we understand the particular needs of a homeowner looking for appraisal services. While our typical clients understand the appraisal process and standard reporting formats, you as a consumer will get extra 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

Since you have an emotional attachment to your own house, it's often very hard to be objective about it. The professional appraisers at Shannon Waters-Mitchell will tell you what you need to know -- not just what you want to hear. We are objective. A professional appraisal is a very important negotiating tool once you have an interested buyer, in addition to helping you set a realistic selling price so your home will attract buyers. The appraisal is something concrete to show your buyer. An appraisal is an independent third party's opinion of your property's price -- not just you saying how much your house is worth. Potential buyers know that you have an emotional attachment to your home and will be more likely to give credibility to an accomplished appraiser's value assessment than yours.

Need to remove PMI?

Getting the PMI (Private Mortgage Insurance) eliminated from your mortgage loan is a preferred money saver for homeowners. Your monthly payments will go down once your mortgage loan amount is down below 80% of the value of your house. In most cases you can apply to your lender to have the PMI removed from your loan. We are experienced in helping people just like you rid themselves of unnecessary PMI insurance.

Challenge Tax Assessment

Lets say your home is not appreciating as much as other houses close to yours -- your local tax assessor may have your house overvalued. This means you're probably paying higher taxes than you should be paying. 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. When contesting your property tax assessment, getting an appraisal report from Shannon Waters-Mitchell is your best weapon.

Was your HELOC recently frozen?

Even if your specific property has not declined in value, your lender may choose to automatically freeze your home equity line of credit (HELOC) if your house is in a declining area. This can be be detrimental to your credit score since it may appear as though that credit line is maxed out, and also difficult from a cash flow point of view. Shannon Waters-Mitchell can help you reinstate your HELOC.

We Also Provide Field and Desktop Appraisal Review Services

Do you need a professional to double-check your appraisal for preciseness, 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 comparables in question in a field review. Or, if you need it immediately, we can provide 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 report you may have had in the past. Even though this is typically requested by banks, you may desire to exploit this service if you suspect mortgage fraud related to your home.