Appraisal services for Santa Rosa Beach and Walton County homeowners

See the top 7 reasons FL homeowners call on Andrew Skinner:

  1. Get a pre-listing appraisal (whether you're using an agent or selling the home on your own)
  2. Challenge Walton county's assessment of your propertyworth
  3. To lower your mortgage payments by removing PMI
  4. Reinstate their Home Equity Line of Credit (or HELOC)
  5. Review a different appraiser's report for verification
  6. In the case of a FL divorce, where real estate property needs to be divided
  7. To settle an estate in Walton county or FL by determining the true market value of property in question

Do you own a house in or near Santa Rosa Beach? Do you need help determining the price of your real estate?
Contact Andrew Skinner.

We at Andrew Skinner understand the particular needs of a homeowner seeking appraisal services. While our typical business 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.

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

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

Need to remove PMI?

A popular way to cut expenses for homeowners is getting the PMI canceled from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Your monthly payments will go down once your mortgage loan is less than 80% of the value of your home. In most cases you can apply to the lender to have the PMI eliminated from your loan. Andrew Skinner is veterans in helping clients just like you rid themselves of unneeded and unwanted PMI insurance.

Challenging property tax assessments

Your local tax assessor may have your house overvalued if your house not appreciating as much as other properties close by. This means you are going to pay higher taxes than you should be paying. The sooner 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 an appraisal report from Andrew Skinner is your number one weapon.

HELOC recently frozen?

If your home is close to a declining area, your lender just might 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 inconvenient from a cash flow point of view. Andrew Skinner can provide you with a professional appraisal to help you reinstate your home equity line of credit.

We Offer Field and Desktop Appraisal Review Services

Have you just gotten a copy of your appraisal and you would wish to have a veteran appraiser double-check it for precision or do you desire a second opinion without the added expense and delay of waiting for a whole new appraisal? Andrew Skinner offers field reviews where we go out and check the subject and comparables. If you're in a rush, we'll 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 a retrospective review of any appraisal you may have in your possession. Even though this is typically requested by banks, you may need to exercise this service if you suspect mortgage fraud related to your home.