Real estate appraisal services for homeowners in the city of Orlando and Orange County
Here are the top reasons FL homeowners need Christian Santana:
Do you own a house in or near Orlando? Do you need help deciding the price of your real estate?
We at Christian Santana understand the special needs of a consumer seeking appraisal services. Our business practices and reporting formats are relatively routine to our business clients like lenders, attorneys, and accountants. Being a homeowner that most likely doesn't look at appraisals on a regular basis,we will give you extra guidance and explanations through the appraisal process to understand what we do and how we present our findings.
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. Our professional appraisers at Christian Santana 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 a crucial negotiating tool once you have a likely buyer, in addition to helping you set a realistic selling price so your house will attract buyers. 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 you saying how much you think your home is worth. Potential buyers know you have an emotional attachment to your home and will be far more likely to give credibility to an expert appraiser's value conclusion than yours.
Need to cancel PMI?
A fashionable way to cut costs for homeowners is to get 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 eliminated from your loan, which will make your monthly payments go down. Christian Santana is experts in helping consumers just like you dismiss undesirable PMI insurance.
Challenge Orange county's assessment of your property
Your local tax assessor may have your house overvalued if your house is not appreciating as much as other homes close to yours. That means you are going to pay more taxes than you should. Since your property assessment may likely go up again in the next period, the faster you take care of a matter like this, the better. An expert appraisal from Christian Santana is your chief weapon when contesting your property tax assessment.
Was your HELOC recently frozen?
Your lender might decide to automatically freeze your home equity line of credit (HELOC) if your home is close to a declining area -- even if your specific property has not declined in value. Not only can this be inconvenient from a cash flow angle, but it can be harmful to your credit score since it may appear as though that credit line is maxed out. An appraisal from Christian Santana can help you reinstate your HELOC.
Do You Need 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 expense and delay of waiting for a whole new appraisal? Christian Santana offers field reviews where we'll go out and check the subject and comparables. Or, if you're in a hurry, 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? Christian Santana can We can assist you. While usually requested by banks, you may want to take advantage of this service if you suspect mortgage fraud related to your property.