Attention homeowners in Oviedo and Seminole County: Get an Appraisal today!

Check out the top reasons FL homeowners call on Kimberly Smith:

Get a pre-listing appraisal (whether you're using an agent or selling the home on your own)
Challenge a property tax assessment
Remove PMI to reduce your mortgage payments
To reinstate your Home Equity Line of Credit (HELOC)
To review a different appraiser's report for verification
In the case of a FL divorce, where real estate needs to be divided
To settle an estate in Seminole county or FL by determining the true market value of property in question

Do you own a house in or near Oviedo? Do you need help deciding the price of your real estate?
Contact Kimberly Smith.

At Kimberly Smith, we understand the individual needs of a consumer in need of appraisal services. The appraisal process and reporting formats are familiar to our business clients like lenders, attorneys, and CPAs. But as a consumer,you can expect extra guidance and explanations through the appraisal process to more clearly understand what we do and how we report our conclusions.

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

Since you have an emotional attachment to your own house, it's often very hard to be objective about it. Professional appraisers, like the ones at Kimberly Smith, are objective. We will tell you what you need to know, not just what you want to hear. A professional appraisal is a crucial negotiating tool once you have an interested buyer, in addition to helping you set a realistic selling price so your property will attract many interested buyers. It's something concrete to show the buyer. An appraisal is an independent third party's opinion of your property's price -- not just how much you think your house is worth. Interested buyers assume you have an emotional attachment to your home and will be far more likely to give credibility to an expert appraiser's value estimation than yours.

Appraisals to remove PMI

Getting the PMI (Private Mortgage Insurance) removed from your mortgage loan is a popular way to cut costs for homeowners. Once your mortgage loan amount is down below 80% of the value of your property, in most cases you can apply to the lender to have the PMI removed from your loan, which will make your monthly payments go down. We're experts in helping people just like you rid themselves of unneeded PMI insurance.

Challenging property tax assessments

Lets say your home is not appreciating as much as other homes nearby -- your local tax assessor may have your home overvalued. That means you're going to pay more taxes than you should. The faster you take care of a matter like this, the better, since your property assessment may likely go up again in the next period. When contesting your property tax assessment, getting a professional appraisal from Kimberly Smith is your best weapon.

Was your HELOC recently frozen?

If your home is in or near a declining area, your lender may make the decision to automatically freeze your home equity line of credit (HELOC) - 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 difficult from a cash flow angle. An appraisal from Kimberly Smith can help you reinstate your HELOC.

Field and Desktop Appraisal Review Services

Do you need a seasoned professional to double-check your appraisal for accuracy, or do you desire a second opinion without the charge and delay of waiting for a whole new appraisal? We can go out and check the subject and comps in a field review. Or, if you need it immediately, 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.

Need a retrospective review of an appraisal? We can help you with that While typically requested by banks, you may need to exercise this service if you suspect mortgage fraud related to your property.