Appraisal services for Miramar Beach and Walton County homeowners

Check out the top 7 reasons why FL homeowners call on 850 Appraisals:

  1. Pre-listing appraisals (whether you're using a real estate agent or selling the home on your own)
  2. Challenge a property tax assessment
  3. Remove PMI to reduce their mortgage payments
  4. To reinstate their Home Equity Line of Credit (HELOC)
  5. Verify another appraiser's report
  6. In the case of a FL divorce, when real estate needs to be divided
  7. To determine the true market value of property in question to settle an estate in FL

Need help deciding the price of your house in or near Miramar Beach, FL?
Contact 850 Appraisals.

We at 850 Appraisals understand the special needs of a homeowner 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.

Pre-listing Services/For Sale By Owner

Since you have an emotional attachment to your own house, it's often very hard to be objective about it. The professional appraisers at 850 Appraisals will tell you what you need to know -- not just what you want to hear. We are objective. 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 interested buyers. It gives you something tangible to show your buyer. It's an independent third party's opinion of your house's price, and not just how much you think your house is worth. Interested buyers know that you have an emotional attachment to your house and will be more likely to give credibility to an accomplished appraiser's value judgement than yours.

Appraisals to cancel PMI

PMI stands for Private Mortgage Insurance. A fashionable way to save money for homeowners is getting the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. Once your mortgage loan is less than 80% of the value of your house, 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. 850 Appraisals is experienced in helping people just like you remove unneeded and unwanted PMI insurance.

Challenging property tax assessments

If you live in an area that is going down or is not appreciating as much as other houses nearby, your local tax assessor may have your house overvalued. That only means you're probably paying more taxes than you should. The faster you take care of things like this, the better, since your property assessment may likely go up again in the next period. An expert appraisal from 850 Appraisals is your perfect weapon when challenging your property tax assessment.

Was your HELOC recently frozen?

Your lender might just make the decision to automatically freeze your home equity line of credit (HELOC) if your property is near a declining area -- even if your specific property has not declined in value. Not only can this be difficult and inconvenient from a cash flow point of view, but it can be harmful to your credit score since it may appear as though that credit line is maxed out. 850 Appraisals can provide you with an expert appraisal that will help you reinstate your HELOC.

Do You Need Field and Desktop Appraisal Review Services?

Would you like a second opinion without the charge and delay of waiting for a whole new appraisal? Or do you want a seasoned appraiser to double-check your appraisal for accuracy? In a field review we'll go out and check the subject and comparables. If you're in a rush, 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.

Need a retrospective review of an appraisal? We can help you with that While usually requested by banks, you may desire to exploit this service if you suspect mortgage fraud related to your house.