Attention homeowners: Real estate appraisal services for in Panama City and Bay County

The top seven reasons why FL homeowners call on Carr Appraisers:

  1. To get a pre-listing appraisal (whether they're selling the home themselves or using a real estate agent)
  2. Challenge property tax assessments
  3. To cut their mortgage payments by removing PMI
  4. To reinstate their Home Equity Line of Credit (HELOC)
  5. Verify another appraiser's report
  6. If real estate needs to be divided because of a divorce
  7. To settle an estate in FL by determining the true market value of real estate in question

Do you own a house in or near Panama City? Do you need help deciding the price of your real estate?
Contact Carr Appraisers.

At Carr Appraisers, we understand the unique needs of a homeowner seeking 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.

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

It's very hard to be objective about your own home because of your emotional attachment to it. Our professional appraisers at Carr Appraisers 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 very valuable as a negotiating tool once you have an interested buyer, in addition to helping you set a realistic price to sell at so your home will attract buyers. It's something concrete to show your buyer. The appraisal is an independent third party's opinion of your property's value, not just how much your house is worth. Potential buyers assume that you have an emotional attachment to your house and will be much more likely to give credibility to an accomplished appraiser's value judgement than yours.

PMI Removal Appraisals

Getting the PMI (Private Mortgage Insurance) removed from your mortgage loan is a popular way to cut expenses for homeowners. Once your mortgage loan amount is less than 80% of the value of your home, in most cases you can apply to a lender to have the PMI eliminated from your loan, which will make your monthly payments go down. At Carr Appraisers, we're experienced in helping folks just like you get rid of unwanted PMI insurance.

Challenging property tax assessments

Lets say you live in a region that is declining -- your local tax assessor may have your house overvalued. This only means you are most likely paying higher taxes than you should be paying. The faster you take care of a matter like this, the better off you'll be, since your property assessment may likely go up again in the next period. Getting an expert appraisal from Carr Appraisers is your #1 weapon when contesting your property tax assessment.

Was your HELOC recently frozen?

If your home is close to a declining area, your lender may just choose to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can this be unsuitable from a cash flow standpoint, and negative on your credit score since it may appear as though that credit line is maxed out. Carr Appraisers can provide you with a professional appraisal that will help you reinstate your HELOC.

Need Field and Desktop Appraisal Review Services?

Have you just gotten a copy of your appraisal and you'd prefer to have a seasoned professional double-check it for verity or do you want a second opinion without the charge 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. If you need it immediately, 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 with that too. Even though this is usually requested by banks, you may desire to make use of this service if you suspect mortgage fraud related to your house.