Need an appraisal in Fort White or Columbia County?

Here are the top 7 reasons FL homeowners need A & S Appraisal Services, Inc.:

Pre-listing appraisals (whether they're selling the home on their own or using a real estate agent)
Challenge property tax assessments
To lower a mortgage payment by removing PMI
Reinstate their Home Equity Line of Credit (or HELOC)
Review a different appraiser's report for verification
In the case of a FL divorce, where real estate needs to be divided
Determine the true market value of property in question to settle an estate in FL

Need help determining the price of your home in or near Fort White, FL?
Contact A & S Appraisal Services, Inc..

We at A & S Appraisal Services, Inc. understand the special needs of a consumer in need of 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

Since you have an emotional attachment to your own house, it's often very hard to be objective about it. A professional appraiser is objective and 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 house will attract interested buyers, a professional appraisal is a crucial negotiating tool once you have a potential buyer. The appraisal is something tangible to show your buyer. An appraisal is an independent third party's opinion of your house's price -- not just how much your home is worth. Interested buyers know you have an emotional attachment to your home and will be more likely to give credibility to a professional appraiser's value assessment than yours.

Need to cancel PMI?

PMI stands for Private Mortgage Insurance. An attractive money saver for homeowners is to get the PMI removed from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan 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, which will make your monthly payments go down. A & S Appraisal Services, Inc. is veterans in helping homeowners just like you get rid of undesirable PMI insurance.

Challenge a property tax assessment

Lets say you live in a region that's declining -- your local tax assessor may have your home overvalued. This only means you're most likely paying higher taxes than you should be paying. The faster 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 from A & S Appraisal Services, Inc. is your strongest weapon.

HELOC recently frozen?

If your house is in a declining area, your lender just might decide to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can this be difficult and inconvenient from a cash flow angle, and unfavorable to your credit score since it may appear as though that credit line is maxed out. A & S Appraisal Services, Inc. can help you reinstate your HELOC.

We Also Provide Field and Desktop Appraisal Review Services

Would you like a second opinion without the added expense and delay of waiting for a whole new appraisal? Or do you want a veteran appraiser to double-check your appraisal for preciseness? We can go out and check the subject and comps in a field review. Or, if you're in a hurry, 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 need to take advantage of this service if you suspect mortgage fraud related to your house.